Vacation Rental Financing
The short-term rental market offers exceptional income potential. We provide specialized financing that recognizes STR revenue and understands the vacation rental business model.
Industry Challenges
Traditional lenders don't recognize STR income
Seasonal income fluctuations
Local regulations and permit requirements
Higher furnishing and setup costs
Revenue projections for new STR properties
Our Solutions
DSCR loans using actual or projected STR income
Programs that account for seasonality
Market analysis for revenue projections
Financing for furnishing and setup costs
Experience with STR-friendly markets
Vacation Rental & Short-Term Rental Financing
The short-term rental revolution has created incredible opportunities for real estate investors. Platforms like Airbnb and VRBO have made it possible to generate hotel-like returns on residential properties.
STR Income Recognition
Traditional lenders struggle with STR income, but we understand the business:
- Actual Income - Use your existing STR revenue history
- Projected Income - Market analysis for new STR properties
- AirDNA & Comparable Data - Third-party revenue projections
- Seasonal Adjustments - Account for peak and off-peak periods
Markets We Finance
We're active in top vacation rental markets:
Beach Destinations
- Florida Gulf Coast and Atlantic
- California coastline
- Outer Banks and coastal Carolinas
Mountain Markets
- Colorado ski towns
- Tennessee Smokies
- Lake destinations
Urban STR
- Major metros with favorable regulations
- Convention and event cities
- Business travel destinations
Investment Considerations
Revenue Potential
- Premium rates during peak seasons
- Multiple bookings per month possible
- Dynamic pricing optimization
Operating Costs
- Higher turnover and cleaning costs
- Professional management often needed
- Furnishing and amenity investments
Regulatory Environment
- Verify local STR regulations before purchase
- Permit and licensing requirements
- HOA restrictions in some areas
Loan Features
- Income: Actual STR history or projections
- LTV: Up to 75-80% depending on experience
- Terms: 30-year fixed DSCR options available
- Property Types: SFR, condos, cabins, unique properties
Mountain Cabin STR Investment
An investor purchased a cabin in a popular ski town with plans for Airbnb rental. We provided financing based on projected STR income using comparable properties. The cabin now generates $60K annually—double what traditional rental would produce.
Available Programs
STR DSCR Loans
Long-term financing based on short-term rental income
Vacation Home Bridge
Quick acquisition financing for vacation properties
STR Conversion Loans
Finance purchase and STR setup of traditional properties
Portfolio STR Loans
Finance multiple vacation rentals under one loan
Other Industries
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Our team specializes in vacation rentals financing. Let us help you find the right solution for your business.