Can I use Airbnb or short-term rental income to qualify for a DSCR loan in Washington?

Yes. Many DSCR lenders in Washington accept short-term rental income from platforms like Airbnb and VRBO for qualifying purposes. Lenders typically use a 12-month trailing income history from the platform's earning statements or a third-party STR revenue estimate. STR-friendly DSCR markets in Washington include Leavenworth, Lake Chelan, the Methow Valley, and the San Juan Islands. Before projecting STR income on a property, verify local STR licensing requirements — some Washington cities have active restrictions on short-term rental permits.