Confidently underwrite short-term rental loans with reliable revenue forecasts and market insights

Make Data-Driven Airbnb Lending Decisions

Get accurate, address-specific revenue forecasts for any property using real Airbnb and Vrbo performance data.

Evaluate property potential with insights on seasonality, regulatory climate, and market demand.

Generate professional PDF reports to support your underwriting process.

Traditional lending metrics don't tell the full story for Airbnb properties. AirDNA's comprehensive data helps you:

Justify Short-Term Rental Lending Decisions

The short-term rental market presents unique challenges for lenders. Unlike traditional real estate lending, short-term rental properties require special evaluation methods to account for:

Overcome Short-Term Rental Lending Challenges

Short-term rental income varies significantly throughout the year. Seasonal trends, local events, and market conditions all impact a property's earning potential. Understanding and anticipating these patterns is crucial for accurate underwriting.

Each short-term rental market has its own characteristics that affect property performance:

Traditional income verification methods often don't align with vacation rental properties and the Airbnb business model. Salaried employment and set income from long term leases isn’t part of the picture. Airbnb lending requires reliable data for accurate income projections, better risk assessment, and standardized reporting.

The Tools Lenders Trust for Airbnb Underwriting

Make confident lending decisions with property-specific revenue forecasts based on comparable properties. Generate detailed PDF reports with projected earnings, occupancy rates, and market insights for your loan documentation

Access critical market data with our Market Score ratings, supply and demand metrics, and seasonal performance insights that help you to evaluate investment potential.

Assessing distinct seasonal patterns helps you:

Evaluate market saturation and competition levels through:

Stay informed about market-specific factors:

Our tools help you get the context you need to confidently make short-term rental loan decisions. You can find information on:

Using AirDNA to gather the information you need on a property as a short-term rental lender is an easy step-by-step process:

Enter the real estate asset address in the Revenue Calculator.

Review projected revenue based on actual market data.

Explore graphs on seasonal patterns and market trends.

Export professional PDF reports for documentation

Evaluate market stability through historical performance data.

Assess the regulatory environment and potential changes.

Review the competitive landscape and market saturation.

Analyze seasonal patterns and their impact on cash flow.

Consider market-specific factors affecting property performance.

Our forecasts are based on actual booking data from millions of properties

Leading financial institutions rely on our data for short-term rental underwriting

Access data for over 120,000 markets globally

Generate professional reports and integrate data into your existing processes

Traditional lending metrics criteria assume stable, long-term income streams, either from salaried employment or long-term lease agreements. They fail to capture the unique aspects of short-term rental properties. Our Revenue Calculator solves this by providing address-specific forecasts based on real market data. We give you a realistic picture of earning potential based on actual short-term rental data, not assumptions from long-term rental or resale values.

How does AirDNA help with short-term rental loan underwriting?

Our revenue forecasts draw from a massive dataset of actual booking data across Airbnb and Vrbo properties. Rather than relying on theoretical models or limited samples, we analyze millions of real transactions to understand market performance. The Revenue Calculator examines multiple factors that influence earning potential, including historical performance in the specific market, seasonal demand patterns, property-specific characteristics, local market conditions, and competitive positioning. This data-driven approach helps ensure our projections reflect real market conditions rather than optimistic estimates, giving you a reliable foundation for Airbnb lending decisions.

How accurate are AirDNA's revenue projections?

AirDNA's tools are particularly valuable for Airbnb lenders dealing with DSCR loan underwriting, where accurate revenue validation is crucial. Our Revenue Calculator provides the monthly revenue breakdowns you need to evaluate debt service coverage throughout the year, accounting for seasonal variations that might affect a property's ability to meet loan obligations.

Can I use AirDNA data for DSCR loan underwriting?

Regulatory risk is a crucial factor in short-term rental lending, and our Market Score helps you evaluate this aspect of any market. We track current regulations and restrictions that could impact property performance, helping you understand potential risks before approving lending for Airbnb properties. Use our Regulation Score to decide whether further research into licensing requirements and zoning regulations is warranted. Explore historical performance and future performance projections to assess the impact of past or anticipated regulatory changes. Understanding regulatory variations across different markets helps you build more resilient loan portfolios.

How does AirDNA account for market regulations?

AirDNA supports all major short-term rental loan types with data that lenders trust. Use our Revenue Calculator to estimate monthly and annual income for DSCR loans, vacation rental investments, and portfolio evaluations. Get market-level insights and property-specific forecasts to support refinancing, cash-out decisions, and overall investment viability—backed by professional PDF reports you can share with stakeholders.

What types of short-term rental loans can I evaluate using AirDNA data?

Seasonality significantly impacts short-term rental loan underwriting. Unlike traditional rentals with steady monthly income, revenue from short-term vacation rentals can vary dramatically throughout the year. Consider a beach property generating 40% of its annual revenue in summer, or a ski resort peaking in winter. These patterns directly affect debt service capability. Our Revenue Calculator provides month-by-month projections based on actual market performance, helping you assess both peak season potential and off-season stability. Our market research tools also show how different property types handle seasonality, helping you evaluate whether a property's seasonal performance aligns with market norms. When evaluating seasonal markets, consider structuring debt service requirements that align with revenue patterns, such as adjusted payment schedules or increased cash reserves for off-peak periods.

How do seasonal variations affect STR lending?

Our platform helps you evaluate real estate portfolio diversification through comprehensive market comparisons. Market Score ratings provide quick strength comparisons across regions. Focus on geographic diversification, market maturity, regulatory climate, and growth potential. You can identify markets that complement each other - for example, pairing summer-heavy markets with winter destinations for more stable year-round revenue across the portfolio.

Can I analyze multiple markets for portfolio lending?

Our Revenue Calculator provides property-specific projections based on actual performance data from similar properties, not theoretical estimates. When valuing a vacation rental property, we analyze location factors like proximity to demand drivers and neighborhood performance, along with property characteristics such as size, type, and amenities. For DSCR and other STR-specific loans, our data helps you understand both total revenue potential and its distribution throughout the year.

How does AirDNA help assess property-specific revenue potential?

The Revenue Calculator is our flagship tool for validating short-term rental income potential. When evaluating a short-term rental loan application, you can enter any property address to receive detailed revenue projections based on actual market data. The tool provides monthly and annual revenue forecasts, occupancy patterns, and average daily rates (ADR), all exportable into professional PDF reports designed specifically for loan documentation. This makes it easier to assess a property's ability to service debt and helps standardize the STR loan evaluation process.

What is the Revenue Calculator and how does it help with lending decisions?

Think of the Market Score as a comprehensive health check for any short-term rental market. Our proprietary algorithm evaluates multiple factors - from current performance and demand patterns to regulatory environment - and distills them into a single, easy-to-understand score. This helps you quickly assess whether a market is stable and growing or showing potential red flags that warrant closer examination as an Airbnb lender.

How does AirDNA's Market Score help evaluate lending risk?

Everything you need to know about Airbnb lending

Calculate potential short term rental earnings

Actionable data and insights to help you optimize and grow

Find great investment opportunities to grow your portfolio

Increase revenue with competitive analysis

Win and retain clients, grow your business.

Build custom comps to benchmark performance

Unlock crucial travel and tourism trends by destination

Invest with confidence using advanced market insights

Research Solutions

Features

Feature

Enterprise Solutions

Investing Resources

Investing Resources Right Side

Free Tools

Hosting Resources

Ressources pour les hôtes

Make Data-Driven Airbnb Lending Decisions

Justify Short-Term Rental Lending Decisions

Validate Airbnb income potential

Assess market strength

Streamline documentation

Overcome Short-Term Rental Lending Challenges

The Tools Lenders Trust for Airbnb Underwriting

Support Every Type of STR Loan

DSCR Loans

Conventional Loans

Portfolio Loans

Refinancing

Make Data-Driven Airbnb Lending Decisions