01
Reservation activity
Booking export for a stated period
Identify completed stays, cancellations, refunds and blocked owner-use dates; bookings alone are not collected cash.
Property evidence · field guide
Turn a booking total into an auditable revenue record
Reconcile stays, refunds, fees and owner use before asking how a lender accepts short-term-rental income.
Sources checked November 1, 2026 · Educational document review · No loan offer
Build the evidence before choosing an input
02
Cash settlement
Platform payout and bank reconciliation
Separate fees, taxes collected for others and refunds. Tie the payout to deposits without adding them again.
03
Underwriting basis
Provider’s written income methodology
Ask about history length, seasonality, appraisal rent, projections and adjustments for expenses or vacancy.
Fictional monthly reconciliation
An authored teaching record; amounts and situations are fictional, not market statistics or actual borrower files.
- Gross charges: $10,000. Refunds: $500. Platform fees: $300. Taxes remitted for guests: $800.
- Payout: $10,000 − $500 − $300 − $800 = $8,400.
- This example assumes all four items belong to the same month and there are no other adjustments.
Neither $10,000 nor $8,400 becomes accepted DSCR income until the provider specifies its method.
Turn the record into a usable next step
- 1
Use a full, identified period and preserve the export. Flag missing months or owner use so a strong month is not silently treated as a full year.
- 2
Reconcile the export to payouts and bank deposits. Treat a projection as a projection, with its provider, date and assumptions identified.
- 3
Ask the lender to identify the amount and period it will use. Retain your separate operating budget for cleaning, management, maintenance and vacancy.
What this evidence does not settle
Easy Street is linked as an example of a provider offering STR-related financing, not as an endorsement or guarantee. This guide makes no new claim about current pricing or approval thresholds.
Sources and scope
- Easy Street Capital — Short-term rental financing
Provider example only; confirm accepted income evidence and current terms in writing.
Read November 1, 2026. This is the check date, not a new effective date for the source.
The review steps are DSCRDealCheck’s editorial checklist. Agency guides and consumer mortgage explainers define documents and concepts; they do not establish a DSCR provider’s program rules or guarantee that consumer disclosure requirements apply to business-purpose financing. See the transaction-scope distinction in Regulation Z. Confirm the actual file with the provider and the relevant qualified professional.
Continue the property evidence review
Choose the unresolved document in your file. Each guide addresses a different input or obligation.