Can short-term rental or Airbnb income be used?

In many programs, yes. Lenders that accept short-term rental income usually want it documented, either through an operating history from your hosting platform or property manager, or through a market analysis prepared for the short-term strategy when the property is new to it. Underwriters may trim the documented figure to account for seasonality, expenses, and vacancy, and some programs credit only part of it. Local rules matter too, since cities regulate vacation rentals differently, so confirm the ordinance before counting on the income. Documentation paths and how much income counts differ, depending on the program. To see how these files come together, visit our short-term rental loan page.