Are you an AirBnB or VRBO investor struggling to finance your next short-term rental property? Traditional mortgages often demand personal income proof, sidelining the property’s earning potential. Mortgage Maestro Group, a trusted Colorado mortgage broker, offers a solution: Debt Service Coverage Ratio (DSCR) loans tailored for short-term rental investors. Using AirDNA analytics, our unique loan program qualifies you based on the projected short-term rental income, not W2s, making 2025 the perfect year to expand your portfolio stress-free.
In this guide, we’ll break down how DSCR loans work, their benefits, tax advantages, and why Colorado’s foothills are prime investment spots. As a veteran-owned leader (NMLS #1838215), we treat every mortgage as our own, ensuring transparency and competitive rates through our loan options.
What Are DSCR Loans and Why They Matter
DSCR loans focus on a property’s debt service coverage ratio—its ability to generate enough income to cover mortgage payments. Unlike conventional loans, our program uses AirDNA’s short-term rental projections, eliminating personal income verification. This is ideal for investors targeting high-ROI markets like Summit or Jefferson County.
Our team, led by Ray Williams (NMLS #216267), brings over 20 years of experience, with values of honesty and masterfulness. Recent success includes multiple applications within 24 hours from investors with significant holdings, proving demand.
Benefits of DSCR Loans for AirBnB Investors
Here’s why our DSCR program stands out:
- Income-Based Qualification: No tax returns needed; AirDNA data drives approvals.
- Competitive Rates: Starting below 7%, with interest-only options.
- Flexible Terms: No prepayment penalties and LLC closings available.
- Low Down Payments: As low as 20-25%, depending on DSCR.
- Broad Reach: Available in over 30 states, including CO, CA, FL, WY, TX.
Use our mortgage calculator to estimate payments.
Tax Advantages for Short-Term Rental Investors
The “Short-Term Rental Tax Loophole” allows active income treatment for properties with guest stays under 7 days and material participation (100+ hours annually). Benefits include:
- 100% Bonus Depreciation: Deduct furnishings and improvements in year one (post-January 19, 2025, per OBBB Act).
- Deductible Expenses: Mortgage interest, taxes, utilities, and cleaning fees.
- 14-Day Rule: Rent tax-free for 14 days annually for personal use.
- Offset Income: Deduct losses against other earnings.
Explore wealth-building reports for more.
| Property Value | Bonus Depreciation | Tax Savings (37% Bracket) |
| $500,000 | $100,000 | $37,000 |
| $750,000 | $150,000 | $55,500 |
| $1,000,000 | $200,000 | $74,000 |
Prime Locations for Short-Term Rentals
Denver’s AirBnB restrictions push investors to Colorado’s foothills (Jefferson, Park, Clear Creek, Grand, Summit Counties). These areas offer high occupancy due to ski resorts and tourism. Our program extends to 30+ states.
Check home valuations for target markets.
How to Get Started
- Schedule a consultation via our calendar.
- Provide property details for AirDNA analysis.
- Get pre-approved and shop confidently.
- Close quickly with our expert underwriting.
- Access post-closing support for refinancing.
For unique situations, see our specialized programs.
Conclusion: Build Your Rental Empire with Ease
The dream of owning investment properties never gets old. Mortgage Maestro Group, with 5-star Google ratings, delivers transparent service. Call 303.779.0591 or book at https://mortgage-maestro.com/appointments/. Sí, hablamos español: nuestra página en español.
