Banks want two years of tax returns your rentals don't reflect. Brokers shop your file to whoever's buying. MOAT is a direct lender — DSCR, STR, and Non-QM decisions made in-house, on what the property actually earns.
Get started Run your DSCR estimateQualify using the property's rental income against its payment — no tax returns, no DTI.
Financing that counts short-term rental revenue, not just long-term lease income.
Bank statement, P&L, and asset-depletion programs for investors who don't fit a conventional box.
One loan across multiple properties, underwritten as a portfolio instead of one at a time.
Sites built for browsing Airbnb listings can show you a revenue estimate. They can't approve a loan. MOAT does both — the same DSCR Calculator, STR Analyzer, and Portfolio Optimizer that run your numbers also feed directly into a real pre-approval, from a direct lender, not a referral.
MOAT's tools are structured around CRMLS listing data and Orange County market fundamentals — DSCR and cap rate on the properties actually for sale near you, not national averages.
Talk to a MOAT loan strategist, or use the free DSCR and STR tools first — no obligation.