Mid-term rentals are the quiet sweet spot of real estate right now: furnished units rented 1–6 months to travel nurses, relocating families, and insurance-displaced homeowners — earning 1.5–2× long-term rents without the nightly-turnover chaos or the city STR bans. But walk that deal into a bank and they'll demand your tax returns and shrug at the income model. A DSCR loan reads the deal the way you do: if the property's income covers the payment, it qualifies — your personal income never enters the file. Purchase, refinance, or cash-out, matched across 90+ lenders.
Purchase price, refi balance, or cash-out amount — ballpark is fine. Check your rate as of .
For a purchase, refinance, or cash-out
For a purchase, use the target property. Best guesses are fine.
Your best estimate is fine — it's confirmed later in the process.
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Your scenario is in. A loan specialist will price it against our DSCR lender network — with the mid-term rent model in the file, not fought against it.
Fit is based on the answers you provided and is not a loan approval. Loan options are subject to verification, credit approval, and underwriting.
Mid-term sits between the two models everyone already knows — and quietly beats both on effort-adjusted return.
No tax returns, no DTI math, no explaining the business model to a branch banker.
Sixty seconds: the property, the numbers, and the play — buy, convert, or refi. No SSN, no income documents.
~60 secondsDSCR programs compare the property's rental income to its payment. Furnished market-rent analysis captures the MTR premium — 30+ day corporate and medical-stay demand is documentable income, not a story.
1 business dayPick from matched options across 90+ lenders, close in the entity or personal name, and run the property. Cash-out later to fund the next door — same process.
You scaleDepreciation, expenses, and cost-seg make a profitable portfolio look like losses on a tax return. DSCR loans never look: the subject property's income against its payment is the entire income analysis.
Travel-nurse contracts, corporate relocations, and insurance stays pay 1.5–2× unfurnished long-term rents. The right lenders count furnished market rent — so the MTR model qualifies on its actual economics.
Cities keep banning nightly rentals; 30-day-minimum stays sit outside nearly every STR ordinance. Lenders read that as durability — and it's why converting an STR or LTR to mid-term is a financeable, often rate-improving move.
Banks cap how many financed properties they'll tolerate; DSCR lenders are built for portfolios. Close in an LLC, keep deals separate, and repeat the playbook — 90+ lenders means door six prices like door one.
Same deal, three very different conversations.
| DSCR · MTR-awareBUILT FOR THE MODEL | Bank investment loan | Conventional (agency) | |
|---|---|---|---|
| Qualifies on property income | Yes — that's the product | Partially, conservatively | No — your DTI decides |
| Tax returns required | No | Yes — 2 years | Yes — 2 years |
| Counts furnished MTR rents | Yes — market-rent analysis | Rarely — lease-in-place only | No |
| Close in an LLC | Yes — standard | Sometimes | No |
| Financed-property limits | Portfolio-friendly | Bank appetite varies | Capped at 10, practically fewer |
| Self-employed friendly | Completely — income never asked | Painful | Painful |
| Typical decision speed | Days | Weeks | Weeks |
Your MTR scenario priced across 90+ lenders within one business day — no tax returns, no SSN, no hard pull.
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