Short-term rentals are breaking the appraisal playbook. Lenders can’t afford to ignore it
Housing Wire • 2/4/2026
Summary
Short-term rentals operate like businesses rather than long-term rentals. The use of Form 1007 is inadequate for short-term rental lending, and lenders face risks related to Debt Service Coverage Ratio (DSCR). It is essential for lenders to address these issues.
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Lindy Score Breakdown (V4.2)
13d
Age
1
Sources
from cluster
320
Hours Since Seen
Final Score0/100
CategoryAntiLindy
StatusArchived
Recency Multiplier1% (0.5^320/48)
Hero EligibleNo
Score is 0 because recency decay (0.5^320/48 = 0.009843) reduced it below 0.5
Score BreakdownRisk 50
Source Reputation: Low-trust source (4/20 pts)
Consensus: Single source - no independent confirmation yet
Age: 13 days - proven survivor
Stories gain Lindy status through source reputation, network consensus, and time survival.
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