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Spanish-Colonial bungalow with white stucco and a red-tile roof in Los Angeles, California
Primary-residence only legality checked 2026-04-26

Will Your Airbnb Qualify for a DSCR Loan in Los Angeles, CA?

In Los Angeles, STR is limited to a host’s primary residence, so an investment-only property generally can’t qualify. A typical 3-bedroom projects around $76,000/yr from comparable listings, and 9 STR lenders will qualify the loan on that projection with no rental history — run your exact address to see the cap-adjusted DSCR and which lenders’ floors you clear.

Home-Sharing Ordinance limits STR to a host’s primary residence — investor STR is effectively off-limits.

STR Feasibility EngineRevenue × legality × DSCR × lenders

We check the city’s current STR ordinance — caps, permits, primary-residence rules — and adjust revenue for it.

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Free · No credit pull · Legality included · Not a call center

Revenue band

Typical STR revenue in Los Angeles

Annual gross revenue by bedroom count — median of 23 comparable listings within 0.75 mi, trailing 12 mo (AirROI + Rabbu comps, as of 2026-04-26).

BedroomsP25MedianP75
1 BR$33,000$42,000$51,000
2 BR$46,500$59,500$72,500
3 BR$59,500$76,000$92,500
4 BR$76,000$97,500$119,000
5 BR$92,000$118,000$144,000

The ordinance

Is short-term rental legal in Los Angeles?

LA’s Home-Sharing Ordinance ties legal short-term rental to the host’s registered primary residence.

A pure investment property held by an investor is, in most cases, not eligible — so STR-as-investment is effectively off-limits.

The engine flags this as owner-occupancy-required and routes to LTR/MTR feasibility, which can still fund as a DSCR deal on long-term rent.

Source: City of LA Home-Sharing Ordinance (LAMC §12.22 A.32) · last checked 2026-04-26.

Worked example · $645,000 3BR, 25% down

0.76×cap-adjusted STR DSCR
1 lenders clear

Illustrative; run your exact address and price above for your numbers.

Living rates

Today’s STR DSCR rate range

STR-overlay rates (70–75% LTV), updated 2026-06-13. Estimates; not a commitment to lend.

760+ FICO
7.7%
+0.6% STR overlay
740-759 FICO
7.85%
+0.6% STR overlay
720-739 FICO
8.15%
+0.6% STR overlay
700-719 FICO
8.45%
+0.6% STR overlay
See the full living rates table →

FAQ

Los Angeles STR financing questions

Is short-term rental legal in Los Angeles?
Los Angeles’ Home-Sharing Ordinance permits short-term rentals only in the host’s primary residence (registered, with a night limit). A non-owner-occupied investment property generally cannot be a legal STR. (Source: City of LA Home-Sharing Ordinance (LAMC §12.22 A.32), as of 2026-04-26.) Always confirm current rules with the jurisdiction before purchasing.
How much does an Airbnb make in Los Angeles?
A typical 3-bedroom projects around $76,000/yr from 23 comparable listings within 0.75 mi, trailing 12 months (AirROI + Rabbu comps). Revenue scales with bedroom count and amenities; lenders verify via Form 1007 or operating statements.
Can an investment property be an STR in Los Angeles?
Generally no — Los Angeles limits short-term rental to a host’s primary residence, so an investor-held property usually can’t qualify as a legal STR. A mid-term (30+ day) or long-term rental can still fund as a DSCR deal on long-term rent.
Can I get a DSCR loan on an Airbnb with no rental history?
Yes. 9 of the 10 STR lenders we track qualify the loan on a market revenue projection (AirDNA/Rabbu) or an appraiser’s Form 1007 short-term-rent schedule, so no operating history is required for many programs.
What down payment and LTV do STR DSCR loans require?
Most STR DSCR programs want 25–30% down (70–75% LTV) — slightly more than a long-term-rental DSCR loan, reflecting the variability of nightly income. A stronger cap-adjusted DSCR and credit band can unlock the higher-LTV tier.
What DSCR do STR lenders require?
Most set a floor around 1.0 on the cap-adjusted DSCR (revenue ÷ PITIA). Some offer no-ratio or sub-1.0 STR programs at a premium for thinner deals. The engine shows your ratio against each lender’s specific floor.
Do lenders trust AirDNA or Rabbu revenue numbers?
Some STR-specialist lenders accept a data projection (AirDNA/Rabbu) directly; others want the same revenue expressed through an appraiser’s Form 1007. Either way, the comp count, radius, and trailing-12-month window behind the figure determine how defensible it is.
How does STR insurance affect my DSCR?
STR carriers price coverage materially higher than a standard landlord policy, so we model insurance higher than a long-term rental inside PITIA. That extra cost is a real DSCR haircut most pro-formas miss — the engine bakes it in.

Related

Los Angeles STR laws Qualify with no history STR DSCR requirements

Legality: Short-term-rental rules change frequently and vary by city, county, and HOA. Legality shown reflects publicly available sources as of the date displayed; it is not legal advice or a permitting determination. Confirm current rules, permits, and HOA/condo restrictions with the local jurisdiction before purchasing.

Revenue: Projected revenue is an estimate from comparable listings and is not a forecast of your results. Lenders independently verify income, typically via appraisal (Form 1007/1008) or 12-month statements. This is not a loan decision or offer.

Run your Los Angeles address. Get the honest verdict.

Free · No credit pull · Legality included · Not a call center.

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