Rate Hero is an STR lending partner for Rabbu investors — DSCR loans built for Airbnb & VRBO portfolios nationwide.
Rate Hero finances the loans Rabbu investors actually need — Short-Term Rental DSCR, 15% down options, BRRRR refinances, and Non-QM. AirDNA income accepted. No tax returns. Close in 21 days.
Every answer below is the opposite of what you'll hear from a bank. The loans we write are designed around how Airbnbs actually earn — not how a W-2 underwriter thinks they should.
Based on leadership experience prior to Rate Hero.
From your first Airbnb to a 20-door STR portfolio — we have a program matched to the way your properties earn.
Airbnb & VRBO income accepted. AirDNA projections honored for acquisitions. Qualify on property cash flow — no W-2s, no tax returns.
Learn more → 15% Down STR15% down DSCR options for qualified STR investors. Keep more capital on the sidelines for renovations, furnishings, and your next property.
Learn more → BRRRR / Hard Money ExitDone rehabbing the STR? Exit hard money into a 30-year DSCR. No income docs. Built for investors who move fast and refi faster.
Learn more → DSCR — Long-TermRunning a mid-term or long-term rental alongside your STRs? We underwrite the lease or 1007 rent schedule — no personal income required.
Learn more → Non-QMBank statement, 1099-only, asset utilization, and ITIN programs. If you earn it but don't show it on a tax return, this is the program.
Learn more → Foreign NationalsNon-US residents can finance US Airbnbs. No SSN, no US credit history required. Close in an LLC with alternative documentation.
Learn more →A process built for investors who don't have time to wait for a mortgage banker to "get back to them next week."
60-second quiz. Property, price, target ADR or AirDNA pull — we'll match the right program. No SSN. No credit pull.
A licensed advisor calls within 24 hours with a rate and term sheet sized to the deal. No bots, no hold music.
DSCR loans typically need the lease, rent schedule, or AirDNA report — plus standard property docs. That's it.
21-day average close. Keys, cash-out, or refi in hand. Then go find the next property — we'll be ready.
Tell us about your deal in 60 seconds and we'll show you exactly what you qualify for — 15% down programs, AirDNA-backed underwriting, and 21-day close times included.