Do not assume your AirDNA number will be used. A lender uses the rent evidence its program accepts, and an appraiser's market rent may be that evidence. When the two numbers differ, the DSCR ratio can change a lot. Ask the program which evidence it uses and compare the appraiser's comparables.
Form 1007, the Single Family Comparable Rent Schedule, is the form an appraiser uses to estimate monthly market rent for a conventional single family investment property. It compares rents on similar properties and adjusts for differences such as utilities and concessions.
AirDNA is a modeled estimate of short term rental revenue. It is a different kind of number from a market rent schedule, and a lender's program decides whether it accepts one, the other, or a method that combines them.
When the numbers differ, check the basis of each. Is the appraiser comparing long term leases while AirDNA models nightly revenue? Are furnishings, utilities and fees treated the same way? A gap can come from different definitions rather than an error.
Example: how the ratio moves with the rent used
| Rent used | Housing payment | DSCR ratio |
|---|---|---|
| Appraiser's market rent $3,600 | $3,000 | 1.20 |
| AirDNA based estimate $5,200 | $3,000 | 1.73 |
Made up figures. Not a lender rule or a required ratio.
What to do
- Get the appraisal and Form 1007 and read the comparables.
- List what each number includes: furnishings, utilities, fees and the period.
- Ask the program in writing which evidence it accepts for a short term rental.
- If the appraiser missed a fact, send documented evidence through the lender.
Sources
- Fannie Mae and Freddie Mac, Form 1007 Single-Family Comparable Rent Schedule. Appraiser estimates market rent of a conventional single family investment property; adjustments and concessions. Source type: Official. Checked October 17, 2026.