Maximize Your Investments

Short-Term Rental

Secure flexible, investor-focused financing designed for Airbnb and VRBO properties. Our DSCR loans offer quick approvals and dependable terms, making it easier to expand your portfolio or refinance your vacation rentals. Fill out the form below to get started.

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UP TO
6.325%
RATES FROM*
80%
LTV
10-22
DAY CLOSE
30, 40yr
I/O OPTION
$75k up to $5M

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Short-Term Rental

Benefits

Why Choose Our Short-Term Rental Loans?

Short-Term Rental (STR) loans are specifically designed for investors with income-generating properties on platforms like Airbnb and VRBO. By leveraging rental income potential, our loans offer a streamlined path to funding, empowering you to expand your portfolio and maximize your rental income. With us, you’ll benefit from quick access to capital, allowing you to seize new opportunities and efficiently manage your property investments.

DSCR Calculator

Debt Service Coverage Ratio (DSCR) is calculated as Monthly Rent divided by Total Expenses (P&I + other expenses).

Tailored for Real Estate Investors

Are We a Good Fit?

Our Short-Term Rental loans, structured as DSCR products, are tailored for investors focused on generating consistent income from rental properties. To qualify, you’ll need:

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Experience

1+ Completed Properties

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Credit Score

Minimum of 620

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Liquidity/Reserves

20% down payment with 1–3 months of reserves.

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Property Type

Single-family homes (SFR), condos, townhomes, or 2–4 unit residential properties.

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Additional Requirements

Non-owner-occupied properties, no seasoning requirement, blanket loan options available, and rural properties accepted.

Get Started

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Begin your journey to homeownership today!

Key Loan Terms for Real Estate Investors

STR Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
Short Term Rental
Experience Required:
1+ Completed Properties
Minimum Credit Score:
620
Liquidity:
20% Down
Reserves:
1-3mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 22 Days
Draw Schedule:
N/A
Rate:
6.325%
Loan-to-Value LTV:
80%
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 2–4 Units
Loan Amount Min:
$75k
Loan Amount Max:
$5M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 4 Units

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.