The Arizona STR Permit Checklist for a DSCR Loan
The TPT license, Phoenix permit, Scottsdale and Tempe licenses, neighbor notice, insurance and HOA papers a DSCR lender expects on a Valley short-term rental.
Read · 7 minHow DSCR Lenders Count Airbnb and VRBO Income on Valley Homes
Payout history, market-data estimates or long-term rent: the three ways DSCR lenders read Airbnb and VRBO income on Valley homes, and how seasons change it.
Read · 8 minHOA and Condo Rules That Make or Break a Valley STR Loan
Why Arizona STR preemption does not override HOA covenants, which CC&R and condo clauses block Airbnb use, and how DSCR lenders review Valley condo projects.
Read · 7 minSTR DSCR Math, Step by Step, on a Valley Airbnb
Step-by-step DSCR math for a Scottsdale or Phoenix short-term rental: building the payment, averaging seasonal income, testing loan sizes and reading the ratio.
Read · 8 minThe Phoenix ADU Short-Term Rental Rule and What It Means for DSCR
How the Phoenix rule on short-term renting newer accessory dwelling units affects investment-only DSCR loans, and what to check before buying a home with one.
Read · 6 minHolding a Phoenix or Scottsdale STR in an LLC With a DSCR Loan
Can a Phoenix or Scottsdale short-term rental DSCR loan close in an LLC? The entity documents lenders ask for, personal guarantees and STR licensing names.
Read · 6 min
Learn before you buy
Short-Term Rental Financing Guides for Phoenix and Scottsdale
TL;DR: These guides answer the questions that decide whether a Phoenix, Scottsdale or Tempe short-term rental is financeable: which permits a lender expects, how booking income is counted, how HOA and condo rules interfere, and how the DSCR math works. Each one opens with a quick answer and ends with the questions investors ask most.
Have a Phoenix or Scottsdale STR in mind?
Send the address, city and how you plan to rent it. We will tell you which wholesale programs read the income in a way that fits, and what the city and HOA paperwork needs to look like.