Finance Your Next Short-Term Rental With Confidence
Short-Term Rental Loans
Flexible financing designed for Airbnb, VRBO, and vacation rental investors. Fast, flexible STR loans built around income potential — not tax returns — so you can acquire, refinance, or scale your vacation rental portfolio with ease.
What Is a Short-Term Rental Loan?
Short-term rental loans (STR loans) are designed for properties generating revenue through platforms like Airbnb and VRBO.
Unlike traditional mortgages, STR loans:
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Consider actual or projected short-term rental income
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Allow LLCs or business entities to borrow
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Don’t require personal income verification
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Offer long-term financing (30-year) based on cash flow
They’re perfect for investors shifting from long-term rentals—or traditional jobs—to STR-focused investing.
Why Our STR Loans Work for Investors
Based on income potential, not paystubs
We look at projected Airbnb/VRBO income, property performance, and market demand.
Perfect for BRRRR-to-Airbnb strategies
Rehab → furnish → launch → refinance into an STR loan.
Flexible property types
Single-family, condos, cabins, vacation rentals, beach houses, mountain homes, urban STRs.
Long-term loan options
30-year fixed or ARM loans with investor-friendly rate structures.
Entity-friendly underwriting
Buy and hold properties inside an LLC with no personal income docs.
How it works?
01
Submit property details
purchase, refinance, or cash-out.
02
Provide actual or projected rental income
AirDNA or host history allowed
03
We calculate DSCR based on STR revenue
not only long-term lease comps
04
Complete & Exit
Sell or refinance the property to pay off the loan. Your profit — and next opportunity — begins.
05
Close fast
and launch your Airbnb or vacation rental.
STR Loan Highlights
STR Loan Feature
Details
Income Basis
Actual or projected Airbnb/VRBO income may qualify the property
DSCR Requirement
Flexible — often 1.0–1.2 depending on revenue strength and property type
Terms Options
30-year fixed or ARM options designed for long-term STR cash flow
Property Types
STR-eligible single-family homes, cabins, condos, townhomes, small multifamily
Ideal For
Airbnb & VRBO investors, BRRRR-to-STR conversions, self-employed borrowers, high-cash-flow markets
Who Short-Term Rental Loans Are Perfect For
Airbnb & VRBO investors
Perfect for hosts wanting to expand from one property to a full portfolio.
New STR investors shifting from long-term rentals
If your market has higher STR revenue, STR loans make the transition easier.
Self-employed, business owners, and non-traditional earners
If W-2s don’t show your real capacity, STR loans are the solution.
Investors doing BRRRR → Airbnb conversions
Refinance out of a fix & flip or bridge loan into a long-term STR loan.
High-cash-flow markets (beach, lake, mountain, college, urban)
Where projected income qualifies the property — not personal income.
