How Lenders Use AirDNA to Evaluate Rental Income (vs. 1004 Appraisals)

Why data from AirDNA is powering smarter DSCR loans for real estate investors—and how Truss Financial Group leverages it.

From 1004 Appraisals to Data-Driven Lending

The traditional 1004 appraisal estimates market value based on property features and comparable sales. Useful for owner-occupied homes, it often misses a rental’s true income potential. With the growth of short-term rentals, lenders increasingly rely on AirDNA to analyze real performance patterns and forecast revenue.

What AirDNA Brings to Rental Income Analysis

  • Hyper-local insights: Neighborhood-level trends, not broad market averages.
  • Performance metrics: Occupancy rate, ADR, seasonality, RevPAR, booking windows.
  • Real-time tracking: Data that adapts to demand shifts and pricing changes.
  • Risk visibility: Historical patterns that improve underwriting and stress tests.

Why This Matters for DSCR Loans

DSCR (Debt Service Coverage Ratio) loans evaluate whether a property’s rental income can cover its debt. Truss Financial Group pairs DSCR underwriting with AirDNA to produce realistic income projections and more flexible loan structures for investors in Airbnb/VRBO-heavy markets.

  • Smarter, data-driven approvals
  • Tailored terms based on neighborhood performance
  • Reduced uncertainty through historical and seasonal trends

Ready to Maximize Rental Income?

Explore DSCR loan options powered by AirDNA insights with Truss Financial Group. Get data-backed financing to scale your short-term rental portfolio.

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