Question about DSCR loans and STR

[Ryan F.]

If anyone has a strong understand of DSCR loans, I would greatly appreciate your input.

- Say you're purchasing a house/condo with $3,500 PITI

- Sellers have STR receipts going back 2 years, showing $40k per year in STR rent.

- Sellers only rented half the year, since they used the property the other half of the year (snow birds).

Will most (or any) lenders calculate this as $80k in rent, since the sellers purposefully did not rent for half of the year? Or would the deal be stuck at $40k?