Investor · Texas
Short-Term Rental (Airbnb / VRBO) in Texas
Buying a Texas 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
Competitive leverage options on short-term rentals
Close in an LLC for asset protection
What's different in Texas
Several Texas cities, including Austin and San Antonio, require short-term rental permits and set their own operating rules, and Texas charges state and local hotel occupancy taxes on short stays. Rules change, so verify the city and HOA requirements for the exact address before you buy.
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.
