Airbnb / VRBO DSCR · Stephen R. Mannenbach, J.D., MBA

Form 1007 Long-Term Rent vs. AirDNA Short-Term Rental Haircut & DSCR Analyzer

Compare usable qualifying income and DSCR coverage across Form 1007 Long-Term Rent (0% haircut), T-12 Airbnb/VRBO Payout Ledger, and AirDNA Rentalizer (10% vs. 20% lender haircut).

Direct Answer · STR AirDNA vs. Form 1007 Underwriting Rule

Wholesale STR DSCR shelves apply a 0% expense haircut to Form 1007 long-term lease schedules (100% usable income), a 0%–15% haircut to verified 12-month Airbnb/VRBO T-12 payout ledgers, and a 10%–20% operating expense haircut to AirDNA Rentalizer revenue projections.

3. STR AirDNA vs. Form 1007 Haircut Analyzer

Appraiser Form 1007 Monthly Rent ($)

AirDNA Annualized Monthly Projection ($)

12-Mo Actual Airbnb/VRBO Monthly Avg ($)

Estimated Monthly PITIA Debt Service ($)

Form 1007 Long-Term Rent (0% Haircut)

0.89x DSCR

Usable Rent: $2,900/mo

AirDNA Tier-1 Shelf (10% Haircut)

1.50x DSCR

Usable Rent: $4,860/mo

AirDNA Standard Shelf (20% Haircut)

1.33x DSCR

Usable Rent: $4,320/mo

12-Mo Airbnb/VRBO T-12 (10% Haircut)

1.36x DSCR

Usable Rent: $4,410/mo

Want Loan Daddy LLC (NMLS #2827624) to Run Your Exact Deal Across 50+ Wholesale Shelves?

Compliance Note: Educational structural underwriting models only; zero interest rates, APRs, or points are quoted. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · (480) 485-1229) is a mortgage broker, not a lender.

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