DSCR vs. Conventional Loans: What’s Best for Your Queen Creek Airbnb?
Queen Creek is quickly becoming a go-to spot for Airbnb investors. The desert charm, family-friendly neighborhoods, and easy access to Phoenix make it a hotbed for short-term rentals.But when it comes to buying an Airbnb property, one of the biggest questions is: “Should I get a DSCR loan or a conventional mortgage?”Let’s break it down and help you make the smartest move for your Airbnb strategy.
What is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio. This type of loan is designed specifically for real estate investors. Instead of verifying your personal income, DSCR loans look at the property's income potential.
In other words:
📊 If the Airbnb can pay for itself, you’re in business.
🔍 What is a Conventional Loan?
A conventional loan is your more traditional mortgage option. It requires:
Full income and employment verification
Strong credit
Often a larger down payment for investment properties
This loan looks at you—not just the property—so if your personal financials are strong, it might still be a great option.
⚖️ DSCR vs. Conventional Loan: The Side-by-Side for Airbnb Buyers
| Feature | DSCR Loan | Conventional Loan |
|---|---|---|
| Income Requirements | Based on property’s rental income (Airbnb rents) | Based on your personal income & debts |
| Speed & Flexibility | Faster, easier underwriting | More paperwork & stricter guidelines |
| Best For | Investors with rental-focused strategy | Buyers with strong W-2 income or self-employed docs |
| Down Payment | Typically higher (varies by lender) | May be lower depending on occupancy & credit |
| Queen Creek Fit? | ✔ Great for Airbnb-focused buyers | ✔ Great if you want long-term or part-time use |
🧠 Pro Tip: Airbnb Income Can Be Tricky with Conventional Loans
Most conventional lenders won’t count short-term rental income unless you’ve already owned the Airbnb for at least 12 months. This can make it tough to qualify based on projected income.
That’s where a DSCR loan shines—it looks at expected rents, not past performance.
🤝 Why You Need the Right Mortgage Broker
If you're buying a short-term rental in Queen Creek, working with a local expert like Brick Mortgage makes all the difference. We:
Know the local Airbnb rental data
Work with multiple DSCR lenders
Help you compare both options side by side
Customize loan solutions based on your goals
📍 Queen Creek Airbnb? Let’s Make It Happen.
Whether you’re a first-time investor or looking to add another property to your portfolio, we’ll help you figure out whether a DSCR loan or conventional mortgage makes the most sense for your Queen Creek Airbnb.
No guesswork. No sales pitch. Just smart, honest mortgage help.
🛏️ Ready to finance your next Airbnb in Queen Creek, AZ?
Let’s talk today and get your loan options lined up.