Short answer
Airbnb and VRBO financing in Florida — what lenders will accept as income.
Some DSCR lenders accept AirDNA or 12 months of actual STR revenue to qualify the loan.
STR income underwriting
Some DSCR lenders accept AirDNA or 12 months of actual STR revenue to qualify the loan.
Local restrictions
Florida cities and counties vary widely on STR rules. Verify local ordinances before buying.
Key takeaways
- STR income can qualify with the right lender.
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Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.