Rockhouse Mortgage, LLC

06/28/2026

Not all short-term rental properties qualify the same way.

A beach house, mountain cabin, condo, or 2–4 unit property may all require a different lending approach.

That's why many investors run into problems when they assume every DSCR lender has the same guidelines.

Some lenders will:

✅ Use AirDNA data

✅ Allow short-term rental income schedules

✅ Accept LLC ownership

✅ Offer no-ratio options

Others may not.

Choosing the wrong lender can cost weeks of time and hundreds of dollars in appraisal fees.

If you're considering an Airbnb, VRBO, vacation rental, or other short-term rental investment, this guide explains how DSCR loans work and what lenders are really looking for.

Read it here:

https://www.rhmlending.com/dscr-loans-short-term-rentals

Have a property you're considering? Send me the address and I'll tell you what financing options may fit.

06/25/2026

One of the biggest misconceptions I hear from real estate investors:

"If the property cash flows, I'll qualify."

Not necessarily.

DSCR lenders look at more than just the property's income.

Common issues that can derail an Airbnb DSCR loan include:

❌ Short-term rentals not permitted by local regulations

❌ Restrictive HOA rules

❌ Property type limitations

❌ Income documentation issues

❌ Down payment or equity requirements

❌ LLC ownership considerations

The good news is that many of these issues can be identified before you spend money on an appraisal.

I put together a guide covering the most common DSCR loan requirements for Airbnb and short-term rental properties.

Read it here:

https://www.rhmlending.com/blog/dscr-loan-requirements-for-airbnb-properties

06/23/2026

Most investors assume every lender looks at Airbnb income the same way.

They don't.

The same property can qualify with one lender and get declined by another based solely on how rental income is calculated.

Some lenders may use:

✅ AirDNA projections

✅ Short-term rental income schedules

✅ Historical Airbnb performance

Others may only use:

❌ Traditional long-term market rent (Form 1007)

That difference can make or break a DSCR loan approval.

Before you make an offer on a short-term rental, it's important to understand how your lender will evaluate the property's income.

I put together a guide that breaks down the most common methods lenders use and where deals often run into trouble.

Read it here:

https://www.rhmlending.com/blog/how-lenders-calculate-dscr-for-airbnb-properties

06/11/2026

Get a full percent lower interest rate for the first year of your new mortgage with a free 1-0 buydown. DM to see how much you can save.

06/05/2026

🏡 New Leesburg Listing Alert! Space, privacy, and move-in ready perfection in Loudoun County await at 13506 Eagles Rest Drive, Leesburg. 5 beds, 3.5 baths, 4,800+ sq. ft., finished walkout lower level, mature trees, and more in Elysian Heights. Offered at $925,000. Contact Chrissie Goodrum for details or a private tour.

https://1l.ink/B4Z8DD3

06/02/2026

🏡 New Listing in South Riding – Chantilly, VA

If you've been waiting for a move-in ready home in South Riding, this one deserves a look.

📍 42716 Rolling Rock Square, Chantilly, VA
💰 $725,000
🛏️ 3 Bedrooms
🛁 3.5 Bathrooms
📐 2,497 Sq. Ft.

Highlights include:

✅ Brick-front end-unit townhome
✅ Spacious two-level bump-out
✅ Hardwood floors on the main and upper levels
✅ Gourmet kitchen with granite countertops and cherry cabinetry
✅ Bright family room and breakfast area
✅ Formal living and dining spaces for entertaining

One of the biggest mistakes buyers make is falling in love with a home before understanding what the monthly payment looks like.

If you're thinking about buying in Chantilly, South Riding, or anywhere in Northern Virginia, I can help you compare:

• Conventional financing
• FHA financing
• VA financing
• Low down payment options

Want to see what this home would cost per month with different down payment scenarios?

Send me a message and I'll run the numbers for you.

Listing courtesy of Cristal Chavez Smith Realtor, Berkshire Hathaway HomeServices PenFed Realty.

See photos for this 4 Bath, 3 Bedroom property in Chantilly, VA 20152

05/24/2026

Helping out a friend by sharing their home listing in Dix Hills, NY.

Really unique property with a ton of character, great entertaining space, and a backyard setup that looks perfect for summer.

5 bed | 3.5 bath | Commack School District

Some standout features:
• Huge great room with cathedral ceilings
• Heated saltwater pool
• Trex deck + patio
• Updated kitchen
• Over 4,000 sq ft

Definitely worth a look if you know someone searching in the Long Island area.

22 Stonehurst Lane
Dix Hills, NY

Listing:
https://www.zillow.com/homedetails/22-Stonehurst-Ln-Dix-Hills-NY-11746/59595755_zpid/

This 4033 square feet Single Family home has 5 bedrooms and 4 bathrooms. It is located at 22 Stonehurst Lane, Dix Hills, NY.

05/20/2026

Most investors shop DSCR loans the wrong way.

They focus on rate first.

But the better question is:

“Which lender actually fits this deal?”

Because DSCR isn’t one-size-fits-all.

One lender likes STRs.
Another hates rural properties.
Some allow LLC vesting easily.
Others get aggressive with leverage when cash flow is strong.

And small details can completely change the outcome:

• ADUs
• AirDNA usage
• Cash-out purpose
• Recent listings
• Reserve requirements
• Prepay structure

That’s why two lenders can look identical on rate…

…but one closes clean and the other dies in underwriting.

Smart investors don’t just shop rates.

They structure the deal correctly BEFORE going under contract.

That’s how leverage improves.
That’s how deals get saved.
That’s how portfolios scale faster.

Buying rentals, STRs, or BRRRRs?

Let’s structure the financing strategy first.

04/28/2026

Last call — today’s the final day to vote!

Rockhouse Mortgage made the finals for Best of Loudoun in the Mortgage Company category, and I’d really appreciate your support 🙏

If I’ve helped you, answered a question, or even just pointed you in the right direction — this is an easy way to return the favor.

Takes 30 seconds:
👉 https://ogden.revfluent.com/bestof/og/364yx2z5j1/2xn4lx4x9d

Every vote counts, and I’m up against some big names — so this means a lot.

Thank you to everyone who’s already voted and supported Rockhouse 🙌