DSCR Loan Specialists

Travel Nurse Housing Loans & DSCR Financing

Need financing for a furnished rental property near hospitals? We specialize in DSCR loans for travel nurse housing. Purchase, refinance, or cash-out — we understand premium short-term furnished rental income.

30-90 Day
Travel nurse lease terms
1.6X
Furnished premium vs market rent
Near
Major hospitals nationwide
No W-2
DSCR income qualification
  • Travel nurse housing experts — we know how to structure these deals
  • DSCR loans — property income qualifies, no W2s required
  • Purchase, refinance, or cash-out refinance options
  • Close in LLCs — built for real estate investors

Get Travel Nurse Housing Financing

See if your property qualifies. No credit pull.

No credit pull. No obligation. Free consultation.

Thanks! You're on the list.

A loan specialist will contact you within 24 hours.

Trusted by real estate investors nationwide

Licensed & Insured
DSCR Specialists
Fast Close (3-4 weeks)
Investor Friendly

How Travel Nurse Housing Loans Work

DSCR financing lets you qualify based on the property's rental potential — not your personal income. Here's the process:

1

Find a Property Near a Hospital

Identify a 1-4 bed property within 15 minutes of a major medical center where travel nurses regularly contract.

2

Submit Your Application

Fill out our form with property details. Furnished Finder, travel nurse lease agreements, or comparable furnished rental data accepted as income documentation.

3

Get DSCR Loan Approval

We underwrite based on projected furnished rental income. No tax returns, no W-2s. Premium short-term travel nurse rental rates qualify easily.

4

Close & Rent to Travel Nurses

Close in 3-4 weeks. Furnish the property and list for 30-90 day leases to traveling nurses. Enjoy premium 1.6X market rent with strong occupancy.

Why Travel Nurse Housing Is a Smart DSCR Investment

Hospitals across the US rely on travel nurses — and those nurses need premium furnished housing.

The travel nursing industry has exploded in recent years, with over 30,000 travel nurse positions available on any given day in the United States. These highly paid professionals receive housing stipends from their agencies and actively seek fully furnished, well-appointed homes near their hospital assignments.

Unlike traditional long-term rentals that lock you into 12-month leases at market rates, travel nurse housing operates on 13-week (90-day) cycles, allowing you to adjust rents regularly. More importantly, furnished properties near hospitals command a 1.6X premium over unfurnished market rents because:

  • Travel nurses have housing stipends that cover premium rents
  • They need move-in-ready homes with furniture, WiFi, and utilities included
  • Proximity to the hospital is more important than price for most travelers
  • Short-term furnished rentals have lower vacancy risk when near major medical centers

DSCR (Debt Service Coverage Ratio) loans are the perfect financing vehicle for this strategy because they rely on the property's income — not your personal W-2 income. As long as the furnished rental income covers the mortgage payment (a DSCR of 1.0+), you qualify.

Travel Nurse Housing DSCR Loans — FAQ

Everything you need to know about financing furnished travel nurse properties.

Yes. DSCR lenders accept Furnished Finder, Travel Nurse Housing, and other short-term rental income as qualifying income. Our specialized lenders understand travel nurse housing and know how to document furnished rental income properly, including platform payout histories and lease agreements.

For DSCR loans, the property's rental income is used for qualification — not the borrower's personal income. So travel nurse stipends aren't needed for qualification. The strong premium furnished rental rates from travel nurses on 13-week contracts create excellent DSCR ratios that lenders love.

Perfect. 90-day (13-week) leases align perfectly with standard travel nurse assignments. DSCR lenders view 90-day furnished medium-term leases favorably because they provide stable occupancy with consistent premium rental income. Many lenders prefer leases of 30-90 days over nightly STRs.

Most DSCR loans require a minimum of 1.0, meaning the rental income covers the mortgage payment. Travel nurse properties with premium furnished rents typically achieve DSCRs of 1.3-1.8+ thanks to the 1.6X market rent premium that fully furnished short-term rentals command near hospitals.

Absolutely. DSCR loans cover purchases of new properties or refinances of existing ones. If you want to convert a long-term rental to a furnished travel nurse property, cash-out refinancing can provide the capital for furniture, upgrades, and staging. We finance 1-4 unit residential properties.

Find Travel Nurse Housing Loans in Your City

We finance furnished travel nurse properties near hospitals in 178+ cities nationwide.

Akron, OH Albany, NY Albuquerque, NM Anchorage, AK Ann Arbor, MI Arlington, TX Atlanta, GA Augusta, GA Aurora, CO Austin, TX Baltimore, MD Baton Rouge, LA Battle Creek, MI Bay City, MI Bend, OR Birmingham, AL Boise, ID Boston, MA Bridgeport, CT Brockton, MA Buffalo, NY Cambridge, MA Canton, OH Canton (Ohio), OH Chandler, AZ Charleston, SC Charlotte, NC Chattanooga, TN Chicago, IL Cincinnati, OH Cleveland, OH Cleveland Heights, OH Colorado Springs, CO Columbia, SC Columbus, OH Corvallis, OR Dallas, TX Dayton, OH Dearborn, MI Decatur, AL Denver, CO Des Moines, IA Detroit, MI Dothan, AL Durham, NC El Paso, TX Elyria, OH Euclid, OH Eugene, OR Evansville, IN Fall River, MA Farmington Hills, MI Fayetteville, NC Flint, MI Florence, AL Fort Lauderdale, FL Fort Wayne, IN Fort Worth, TX Fresno, CA Gadsden, AL Gainesville, FL Gilbert, AZ Glendale, AZ Grand Rapids, MI Grants Pass, OR Greensboro, NC Greenville, SC Hampton, VA Hartford, CT Henderson, NV Hialeah, FL Honolulu, HI Houston, TX Huntsville, AL Indianapolis, IN Jackson, MI Jackson, MS Jacksonville, FL Jersey City, NJ Kalamazoo, MI Kansas City, MO Knoxville, TN Lakewood, OH Lansing, MI Laredo, TX Las Vegas, NV Lexington, KY Lima, OH Little Rock, AR Livonia, MI Long Beach, CA Lorain, OH Los Angeles, CA Louisville, KY Lowell, MA Lubbock, TX Lynn, MA Macon, GA Madison, WI Mansfield, OH Marion, OH Medford, OR Memphis, TN Mesa, AZ Miami, FL Miami Beach, FL Milwaukee, WI Minneapolis, MN Mobile, AL Montgomery, AL Nashville, TN New Bedford, MA New Haven, CT New Orleans, LA New York City, NY Newark, NJ Newport News, VA Norfolk, VA Novi, MI Oakland, CA Oklahoma City, OK Omaha, NE Orlando, FL Parma, OH Pensacola, FL Philadelphia, PA Phoenix, AZ Pittsburgh, PA Plano, TX Pontiac, MI Port St. Lucie, FL Portland, OR Providence, RI Quincy, MA Raleigh, NC Reno, NV Richmond, VA Rochester Hills, MI Rochester, NY Roseburg, OR Sacramento, CA Saginaw, MI Salem, OR Salt Lake City, UT San Antonio, TX San Diego, CA San Jose, CA Sandusky, OH Savannah, GA Scottsdale, AZ Seattle, WA Shreveport, LA South Bend, IN Spokane, WA Springfield, MA Springfield, MO St. Louis, MO St. Petersburg, FL Sterling Heights, MI Syracuse, NY Tallahassee, FL Tampa, FL Toledo, OH Troy, MI Tucson, AZ Tulsa, OK Tuscaloosa, AL Virginia Beach, VA Warren, MI Washington, DC, DC Waterford, MI West Palm Beach, FL Westland, MI Wichita, KS Wilmington, NC Winston-Salem, NC Worcester, MA Youngstown, OH

Ready to Finance Your Travel Nurse Property?

Get pre-qualified in minutes. No credit pull, no obligation.

Apply Now