Generating additional income through home rental can be an excellent option, but those with mortgages, particularly VA or FHA loans, must ensure their lenders permit it. Generally, individuals can rent their primary residence after a 12-month stay. The proliferation of Airbnb and similar online rental apps has led some homeowners to rent their properties, either partially or entirely, to offset their mortgage payments. Despite its increasing popularity, many lenders adhere to stringent occupancy criteria for loan repayments. Before posting your home on Airbnb, it’s crucial to understand the legalities and considerations involved with renting a mortgaged property.