Finance Your Airbnb or Vacation Rental

Short-Term Rental Financing That Works

The short-term rental market has exploded, with Airbnb and VRBO hosts generating premium returns compared to traditional rentals. Our STR loan program is designed specifically for this growing segment of real estate investment.

Why STR Loans Are Different

Traditional lenders often don't understand short-term rentals. They may not accept Airbnb income or may apply unfavorable haircuts to your revenue. Our program was built for STR investors:

We Accept STR Income

We use actual STR income or AirDNA projections to calculate your DSCR. No artificial discounts—we recognize the true income potential of your property.

Market Knowledge

Our team understands vacation rental markets. We know the seasonality, the regulatory landscape, and what makes properties successful in different destinations.

Income Documentation Options

For Existing STR Properties

• 12 months of Airbnb/VRBO statements
• Platform-verified income data
• Tax returns showing STR income

For New Acquisitions

• AirDNA market analysis
• Comparable STR performance data
• Professional property management projections

Important Considerations

Regulatory Compliance

We require that your property be legally permitted for short-term rental use. Before applying, confirm:

• Local STR regulations allow your intended use
• HOA (if applicable) permits short-term rentals
• Required licenses and permits are obtainable

Insurance Requirements

STR properties need specialized insurance that covers short-term guests. Standard homeowner's or landlord policies typically don't provide adequate coverage.