Guides

Property Types

How the property changes the loan: houses and condos, two to four units, larger buildings and short-term rentals.

A row of small white architectural models of houses and a low apartment block on a long wooden shelf.

5 guides in Property Types

A pale-blue single-storey bungalow with a small front porch and a low hedge, seen from the street on a clear morning.GuideDSCR Loans for Rental Property: What Qualifies and What ChangesWhich houses, condos, small multifamily and vacation rentals qualify, and how HOA dues and taxes move the ratio.Verified July 28, 2026
A two-storey white clapboard duplex with two front doors side by side and matching porches.GuideDSCR Loans for Multifamily PropertiesHow lenders add up rent across two to four units, and the cash to budget for a duplex, triplex or fourplex.Verified July 28, 2026
A four-storey red-brick apartment building with black iron balconies on a tree-lined street corner.GuideCommercial DSCR Loans: A Beginner’s Guide to Financing Larger Rental PropertiesHow lenders measure coverage on net operating income for five or more units, and what to compare between offers.Verified July 28, 2026
A bright guest bedroom made up for visitors, with folded towels at the foot of the bed and a small tray on the side table.GuideDSCR Loans for Airbnb and Short-Term Rentals: A Beginner’s GuideProjections, booking history or long-term rent: which income a lender counts, and how far the choice moves the ratio.Verified July 28, 2026
A small cedar-clad cabin with a wooden deck among pine trees in late-afternoon light.GuideAirbnb Loans: How to Finance a Short-Term RentalDSCR and the other ways to finance a short-term rental, plus local rules and the cash to budget beyond the down payment.Verified July 28, 2026

At a glance

SheetWhat it coversVerified
1DSCR Loans for Rental Property: What Qualifies and What ChangesWhich houses, condos, small multifamily and vacation rentals qualify, and how HOA dues and taxes move the ratio.July 28, 2026
2DSCR Loans for Multifamily PropertiesHow lenders add up rent across two to four units, and the cash to budget for a duplex, triplex or fourplex.July 28, 2026
3Commercial DSCR Loans: A Beginner’s Guide to Financing Larger Rental PropertiesHow lenders measure coverage on net operating income for five or more units, and what to compare between offers.July 28, 2026
4DSCR Loans for Airbnb and Short-Term Rentals: A Beginner’s GuideProjections, booking history or long-term rent: which income a lender counts, and how far the choice moves the ratio.July 28, 2026
5Airbnb Loans: How to Finance a Short-Term RentalDSCR and the other ways to finance a short-term rental, plus local rules and the cash to budget beyond the down payment.July 28, 2026

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DSCRLoans101 is an independent editorial site. We do not originate loans and we are not affiliated with any lender. Every figure on this page comes from published lender materials or primary sources, and we publish the date we verified it.