Direct answer
How this refinance option works
An eligible one-to-four-unit non-owner-occupied rental or Airbnb property may use a DSCR or investor cash-out refinance rather than a commercial mortgage. Qualification commonly focuses on property rental income and required debt payments, while lender rules also address value, seasoning, experience, reserves, entity and short-term-rental eligibility.
This page exists so a private investor with one rental house, condominium, duplex, triplex or fourplex is not forced into content written only for large commercial buildings.
Short-term-rental income treatment varies. A lender may use long-term market rent, documented short-term history, approved projections or a conservative combination. Local licensing, zoning, condominium rules and legal use must be verified.
These are business-purpose, non-owner-occupied transactions. Owner-occupied homes, consumer cash-out mortgages and personal-use vacation homes are outside this website’s scope.