DSCR Loan for
Hocking Hills Cabins.

Hocking Hills draws over four million visitors per year to Hocking County and the surrounding region — making it Ohio's most active short-term rental market outside Columbus. The gorges, waterfalls, and old-growth forest around Old Man's Cave and Ash Cave create a year-round draw that rare Midwestern STR markets achieve. Investors who own well-positioned cabin properties here — particularly those with hot tubs, fire pits, and off-grid aesthetics — have consistently seen occupancy rates that support strong annual revenue.

That revenue profile is exactly what makes DSCR loans a natural fit. A conventional mortgage lender will look at your tax returns, W-2s, and personal debt-to-income ratio. If you're self-employed, own multiple properties, or simply write off your depreciation and expenses (as any competent investor should), your taxable income looks low on paper — even if your actual cash flow is strong. A DSCR loan ignores all of that. What matters is one question: does the projected or actual rental income on this Hocking Hills property cover the monthly debt service?

For short-term rentals, we use AirDNA market data to project annual revenue for properties without an operating history. AirDNA aggregates booking data, ADR, and occupancy across thousands of Hocking Hills listings to generate a property-level revenue estimate. If you already have a listing on Airbnb or VRBO, we use your 12-month platform payout statements instead. Either way, personal income never enters the picture.

The typical Hocking Hills cabin acquisition falls in the $250,000 to $600,000 range. A four-bedroom cabin with a hot tub and fire pit near Rock House or Cedar Falls will often carry AirDNA projections in the $55,000–$80,000 annual range, depending on amenities and exact location. At 75% LTV on a $380,000 acquisition, the resulting debt service is comfortably below that projected revenue — producing a DSCR ratio that qualifies without any personal income documentation.

Ohio investors also benefit from the STR regulatory environment in Hocking County. Unlike many coastal markets where short-term rental restrictions have tightened dramatically, Hocking Hills operates with a permitting and safety inspection system that is investor-accessible. The Ohio Department of Commerce maintains vacation rental licensing requirements — your lender and attorney should confirm current registration steps, but the market has not imposed the unit caps or residency requirements seen in other high-demand STR destinations.

If you are acquiring a first Hocking Hills property or adding to an existing cabin portfolio, DSCR financing is the structure that scales. There is no limit on financed properties under a DSCR program — and because these are non-QM loans, the conventional Fannie Mae 10-property cap does not apply.