Depending on which market an investment property is located in, listing it on Airbnb, VRBO, and other short-term rental platforms offers investors the opportunity to dramatically increase cash flow and monthly returns compared to long-term leases. DSCR-based short-term rental loans can finance the purchase of short-term rentals, help you refinance an existing loan on a short-term rental, or take cash out of the equity in a short-term rental, no matter what your property’s occupancy is. Our lending partners in the short-term rental loan space use a variety of methods for the DSCR calculation, including long-term market rent projection, historical STR revenues, and even AirDNA revenue projections. Options and solutions.