Where short-stay loans and rental data actually live.
Last checked: November 2, 2026
A short-stay loan sits at the meeting point of two markets: the rental market, where nightly income is earned, and the lending market, where that income is underwritten. The links below cover both sides — the data that measures the income, the lenders that finance against it, the guides that explain the underwriting, and the platforms where the stays are booked.
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Market data and research
Short-term rental market analysis, occupancy and rate trends, and industry reports.
Full-year 2025 U.S. occupancy of 56.9%, the December 2025 snapshot (51.0% occupancy, $248.57 ADR, $126.97 RevPAR), and supply growth at its weakest recorded rate in July 2025.
Global gross bookings of $219.9 billion in 2025, projected to $270.6 billion by 2029, with North America at $78 billion in 2025.
U.S. revenue of $43,857.5 million in 2025, projected to $100,107.8 million by 2033, with homes the largest accommodation type at 45.51% of revenue.
STR lenders and programs
Dedicated vacation-rental DSCR program: purchase and refinance up to 80% loan-to-value, 30-year fixed terms with no balloon payments, and more than $990 million in vacation-rental loans financed.
Short-stay specialist qualifying on actual STR income, projections, or market rents, with loan sizes from $100,000 to $3.5 million and purchase loan-to-value up to 85%.
Short-term rental DSCR guide with program requirements, income-calculation methods, and dated program pricing.
Underwriting guides
How the debt service coverage ratio works for vacation rentals, typical 1.1 to 1.25 minimums, and 20% to 30% down-payment expectations.
Qualifying thresholds, the 20% to 25% haircut applied to projected short-term rental income, and reserve expectations.
Minimum ratios of 1.0 to 1.25, credit scores from 620, and 20% to 25% down, with projected-income treatment for short-term rentals.
Investor guide to STR-specific DSCR programs, lender lists, and dated rate ranges, with regulatory checks in high-regulation states.
Rental platforms
The largest vacation-rental marketplace, where much of the short-stay income that DSCR lenders underwrite is earned.
Vacation-home rental marketplace focused on whole-home stays, with over 2 million bookable vacation rentals.
shortstayloans.com — $9,888
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Changelog
- November 2, 2026: Initial edition — market data and research, STR lenders and programs, underwriting guides, and rental platforms established (13 items, all verified live November 2, 2026).