Airbnb Income Now Benefits Mortgage Financing

Airbnb property owners who plan to refinance their mortgage can now rejoice – hosts who use certain lenders through Fannie Mae will have the option of including their Airbnb income on the loan application. These new changes were developed by lenders to help property owners who plan on refinancing.

Make Sure You’re Covered

While refinancing can help hosts meet their financial goals, it’s also important to ensure your home is adequately protected with comprehensive coverage. After all, if a guest damages your home and refuses to pay for it, you could be left with a huge bill. Two important types of coverage that hosts should maintain at all times are property insurance and commercial liability insurance.

Airbnb Insurance for Hosts

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About the Author

Proper Insurance

Proper Insurance is the nation's leading short-term vacation rental insurance provider, with the most comprehensive policy on the market. We protect homes in all 50 states with unmatched coverage for your property, revenue, and business liability, customized to include guest-caused theft/damage, liquor liability, amenity liability (bikes, kayaks, hot tub, etc.), bed bugs, fleas, squatters, and more.

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Resources

Illustration showing vacation rental liability risks, including a guest riding a bicycle near a short‑term rental home and an unleashed dog in the neighborhood
April 23rd, 2026

What You Need to Know About Short-Term Rental Liability

Dog sitting outside a pet‑friendly short‑term rental while guests enter the property, illustrating pet policies and potential liability risks
April 15th, 2026

Should You Allow Pets at Your Short-Term Rental? Pros and Cons of Pet-Friendly Airbnbs

Farm kitchen of an Airbnb/Vrbo property.
April 10th, 2026

Short-Term Rental Insurance Options: Homeowners, Landlord, and Commercial Compared

Modern short‑term rental living room with waterfront view, illustrating home sharing insurance coverage for property damage and guest liability
April 6th, 2026

Home Sharing Insurance Coverage: Property & Liability Explained