Yes. It's called a DSCR loan (debt-service coverage ratio), and it qualifies the deal on the property's rental income instead of your personal income or DTI. It's built for non-owner-occupied investment property, so your W-2s, tax returns, and debt-to-income ratio take a back seat to the property's rent. The ratio is the whole idea: divide the property's rent by its full mortgage payment. When these loans first appeared, lenders wanted rent of at least 1.25 times the payment. Standards have loosened over the years; many lenders now accept a ratio around 1.0, and some allow the payment to slightly exceed the rent in exchange for pricing adjustments. Expect a rate premium over a comparable conventional loan, and expect your down payment and the DSCR you choose to move your rate and terms. Confirm current ratio requirements and pricing, since this is a non-agency market that shifts. One real practical advantage: DSCR loans can close in the name of an LLC. Fannie Mae, Freddie Mac, FHA, VA, and USDA lend only to individuals (or a qualifying living trust), and most jumbo lenders follow suit, so investors who want to hold title in an LLC for liability protection (which matters a lot with short-term rentals) usually end up here. You pay for that flexibility with a higher rate, which cuts into cash flow. The trade often still makes sense when the income is strong, especially on a short-term rental, where the rent can far exceed what the same home would fetch on a standard long-term lease and the pricing premium becomes an afterthought.