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Lender directory · DSCR + investor-rental

Find a lender.

A short, curated list of lenders who actually fund short-term-rental deals — DSCR loans, investor-rental loans, and STR-aware underwriting. Each one was verified to offer products applicable to STRs and to operate a public broker or referral program.

Disclosure. Cohost may receive a referral fee from some of the lenders listed below if you complete a loan with them after clicking through from this page. We never charge you a fee — the lender pays us out of their existing acquisition budget. We do not weight or hide options based on referral economics; the list is editorial. This disclosure is provided per FTC 16 CFR § 255.

Easy Street Capital

STR specialist

Self-described leading STR lender. Their EasyRent product covers long-term, short-term, and mixed-use rentals.

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Loan products
  • · DSCR (EasyRent — STR/LTR/mixed)
  • · Fix & flip (EasyFix)
  • · New construction (EasyBuild)
Coverage

50 states

Partner program

Broker program + RESPA-allowed referral program

Notes
  • · EasyRent supports up to 10 units and covers short-term rentals explicitly.
  • · Fix-flip product offers no-appraisal closings in 24-48 hours.
  • · Operates a RESPA-allowed Real Estate Agent Referral Program plus a Mortgage Broker Program.

Host Financial

STR specialist

STR-specialist DSCR lender — underwrites against the property's STR income, not your DTI.

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Loan products
  • · Short-term rental DSCR
  • · Long-term rental DSCR
  • · Fix & flip / renovation
  • · New construction
Coverage

48 states (excl. ND, SD)

Partner program

Direct partnership inquiry

Notes
  • · Underwriting based on property income + FICO + liquidity — no personal income docs.
  • · Founded by real estate investors specifically to fill the STR financing gap.
  • · Already partnered with AirDNA on data; logical fit for a cohost partnership.

Lima One Capital

STR specialist

Investor-focused balance-sheet lender with an explicit short-term-rental loan product.

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Loan products
  • · Short-term rental loan
  • · Single-family rental
  • · Portfolio rental
  • · Fix & flip
  • · Bridge Plus
  • · New construction (Build2Rent)
  • · Multifamily
Coverage

46 states (excl. AK, ND, SD, VT)

Partner program

Broker + MLO + Referral programs

Notes
  • · Backed by MFA Financial (publicly traded REIT); >$10B funded since 2010.
  • · Underwrites on credit + liquidity + experience — no tax returns required.
  • · Three partner channels: brokers, MLOs, referral partners.

Kiavi

National DSCR lender with the most accessible affiliate program of the four — fast online approval.

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Loan products
  • · DSCR rental
  • · Fix & flip
  • · Bridge
  • · Jumbo (up to $10M)
  • · New construction
Coverage

49 states + DC

Partner program

Broker + Affiliate program

Notes
  • · DSCR product not STR-specific but works for STRs that pencil on long-term rent comps.
  • · Operates a public Broker program AND an Affiliate program — easiest signup of the four.
  • · DSCR rates advertised from 5.75% (subject to change).

Last verified 2026-05-05. Loan products, rates, and state coverage change frequently — confirm details directly with the lender before relying on them.

Marketplace · launches Q3 2026

Sign up for the Finance marketplace.

Match STR investors with DSCR-friendly lenders by state and loan profile — no referral fees, no sales calls. Launches Q3 2026; early-access list gets the keys first.

No spam, no sales calls — we'll email you back ourselves.