August 27, 2025 – PRM Capital, a leading private lender in the real estate investment financing space, is proud to announce the launch of its new specialized DSCR loan program for short-term rental investors across Washington State. This unique offering is designed specifically for Airbnb hosts and vacation rental property owners who seek to qualify for loans based on property cash flow rather than traditional income verification.
As the short-term rental market continues to grow across destinations like Seattle, Spokane, Leavenworth, and the San Juan Islands, PRM Capital is stepping up to offer flexible, DSCR-based financing solutions that align with the needs of modern real estate entrepreneurs.
Debt Service Coverage Ratio (DSCR) loans are designed to evaluate the income-generating potential of a property rather than rely on a borrower’s W-2 income or tax returns. This makes them ideal for investors whose rental properties generate strong cash flow, but who may not meet conventional underwriting standards. By tailoring this product for the short-term rental sector, PRM Capital fills a critical gap for investors scaling their Airbnb and vacation portfolios.
“We’ve seen a sharp increase in investor interest in the Washington short-term rental market, particularly in areas like Lake Chelan and the Olympic Peninsula,” said a representative of PRM Capital, during a recent interview. “Our specialized DSCR loans are built to support these investors—whether they’re seasoned Airbnb hosts or new entrants—by focusing on what really matters: the cash flow of the property.”
With the new product, borrowers can now access financing options with as little as 20% down, no personal income verification, and approval based entirely on the property's DSCR (Debt Service Coverage Ratio). These loans allow clients to qualify even when their tax returns do not show sufficient income, provided the projected or historical rental income covers the mortgage obligations.
“This is about empowering investors with the tools they need to grow,” Their representative added. “We’re not just offering a loan product—we’re providing a gateway to financial scalability for real estate investors who’ve traditionally been underserved by conventional lenders.”
The launch of this product is particularly timely, as Washington's scenic locations continue to attract high tourism numbers and investor interest. Towns like Bellingham, Walla Walla, and Port Angeles are seeing record growth in vacation rental occupancy rates, making them attractive targets for short-term rental investment.
In an environment where traditional mortgage lenders are tightening guidelines, PRM Capital's DSCR loans offer a much-needed alternative, especially for Investors with multiple rental properties, self-employed or 1099 borrowers, out-of-state investors and those looking to refinance into cash-flow-based products
About PRM Capital
PRM Capital is a private real estate lending firm that specializes in investment property loans across various asset classes. With a commitment to flexible underwriting, investor-friendly terms, and fast funding, PRM Capital empowers clients to scale their portfolios with confidence. From long-term rentals to short-term vacation properties, PRM Capital delivers financing solutions built around the unique needs of real estate entrepreneurs.
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