How do I find a DSCR or short-term rental lender with BNBCalc?
Last reviewed Nov 4, 2026 by Jeremy Werden
Short answer
Open Lenders in the BNBCalc sidebar, answer eight quick questions about the loan and the property, and click Request match. BNBCalc's team then connects you with a partner lender within 1 to 2 business days, and you can also book a call yourself with Harpoon Capital or Ceangal Capital, which both offer DSCR loans.
Where do I find BNBCalc's lender match?
Click Lenders in the BNBCalc sidebar, or the Lenders tile on your dashboard home, which reads "Get matched with a lender". The page is headed Find an STR-friendly lender, and you'll need to be signed in, although any account can use it, with or without a plan.
How do I get matched with a lender?
The form asks one question per step, and picking an answer moves you straight on, with Back if you want to change one:
- Loan purpose: Purchase, Rate-Term Refinance, Cash-Out Refinance or Home Equity.
- Property state: pick it from the list.
- Property value (estimated): from Below $150K up to $1M+.
- When are you looking to close? From Ready Now (or Under Contract) to 12+ Months.
- Investment properties owned: from First Time Investor to 10+.
- Will this be a short-term rental? Yes or No.
- Credit score: from 760+ down to Below 640.
- Where should the lender reach you? Your first and last name, email and phone, which BNBCalc fills in from your account where it can.
Before you send it, tick the box agreeing to be contacted about your financing request by phone, SMS and email, then click Request match.
What happens after I ask for a match?
You'll see "Request sent", along with "We'll connect you with a lender within 1-2 business days.", and BNBCalc emails you to confirm it received your request, which goes to BNBCalc's team to connect you with a partner lender. The page then shows Your lender matches, with a card for each partner lender, so you don't have to wait if you'd rather talk to one straight away: click Book a call on either card.
| Lender | What its card says |
|---|---|
| Harpoon Capital | DSCR loans for cash-flowing rental properties, up to 85% financing, $50K to $3.5M loans with no minimum DSCR, and qualifying on rental income rather than personal income |
| Ceangal Capital | DSCR, bridge, and fix and flip loans for rental investors, up to 85% LTV on select DSCR purchases, and it accepts BNBCalc revenue reports |
Keep in mind that BNBCalc doesn't lend money itself. The lenders set their own rates and terms, and BNBCalc may receive a referral fee from them, so compare their offers with any others you get.
How does a DSCR loan fit with a BNBCalc analysis?
A DSCR loan qualifies you on what the property earns rather than on your personal income, so the lender looks at its debt service coverage ratio, which compares the property's operating income with its loan payments. That's why it's worth running the numbers before you call anyone. On a US Buy analysis, BNBCalc works out the DSCR for you under Cash Investment, and the Get pre-qualified link next to the estimated monthly payment books a call with Harpoon Capital.
If you haven't picked a property yet, BNBCalc can also match you with an agent who works with short-term rental investors.
Frequently asked questions
Does BNBCalc lend money for Airbnb properties?
No. BNBCalc's Lenders tab matches you with partner lenders, Harpoon Capital and Ceangal Capital, and they set the rates and terms. BNBCalc may receive a referral fee from them, so compare their offers with any others you get before you commit.
Can I use a BNBCalc analysis when I apply for a DSCR loan?
Yes, with Ceangal Capital, which BNBCalc's Lenders tab lists as accepting BNBCalc revenue reports, so you can share your analysis's report link or PDF with them. Other lenders decide for themselves what revenue evidence they'll accept.
Terms in this article
Related articles
Getting started
How do I find a real estate agent who knows short-term rentals?
Open Realtors in the BNBCalc sidebar and answer five questions: where you want to buy, your budget, your timeline, how you'll pay and how to reach you. BNBCalc sends your answers to Savvy STR Agents, real estate agents who specialize in short-term rental investors, and an agent reaches out within 1 to 2 business days. Getting matched is free.
Data & methodology
How does BNBCalc calculate cash flow and returns?
BNBCalc subtracts operating expenses from revenue to get operating income, then subtracts the mortgage payment and property tax to get cash flow. From there, cash-on-cash return is year-one cash flow, plus one year of revenue growth, divided by the cash you put in, while cap rate is operating income divided by the purchase price.
Property Calculator
How do I analyze a purchase, rental arbitrage or co-hosting deal in BNBCalc?
BNBCalc has four analysis types, and you pick one after entering the address: Buy for a home you're thinking of purchasing, Own for a home you already have, Rent for rental arbitrage, where you lease a home and list it on Airbnb, and Cohost for managing someone else's home for a commission. An analysis keeps its type once it's created.
Property Calculator
How do I tell if a house would make a good Airbnb?
To tell if a house would make a good Airbnb, run it through the BNBCalc Calculator as a Buy analysis and check the Investor Score, the A+ to F grade on the Short Term Rental card. The grade blends the cash-on-cash return and cap rate left after expenses and the mortgage come off BNBCalc's revenue estimate.
Was this helpful?