Investor · Florida
Short-Term Rental (Airbnb / VRBO) in Florida
Buying a Florida Airbnb or VRBO? Qualify on projected nightly income — not just long-term lease comps.
Common challenges we solve
- Conventional underwriters won't count Airbnb income
- Need a fast close to beat other investors
- STR regulations vary by city
What you get with Lumos
AirDNA and market-rent underwriting accepted
Up to 80% LTV on short-term rentals
Close in an LLC for asset protection
Loan programs that typically fit
Frequently asked
- How is income calculated?
- AirDNA, Mashvisor, or 12-month operating history — whichever underwrites best.
- Are condos eligible?
- Yes if the HOA allows STRs. We'll verify upfront.
