← All Loan Programs🏖️ STR / Vacation Rental

Short-Term Rental (STR) Loans

Airbnb, VRBO, and vacation rental financing — qualify on actual STR income.

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Overview

Short-term rental loans are specifically designed for investment properties operated as Airbnb, VRBO, or vacation rentals. Unlike traditional rentals, STRs generate higher income but require lenders who understand STR underwriting. We work with lenders who accept STR income projections from AirDNA, actual hosting history, or market comparables.

  • Qualify using Airbnb/VRBO rental history or AirDNA income projections
  • Higher income potential than long-term rentals improves DSCR
  • Available in vacation markets, resort towns, and urban markets

Loan Specifications

Min Amount

$100,000

Max Amount

$3,000,000+

Loan Term

5–30 years

Max LTV

Up to 75%

Amortization

30 years

Rate Type

Fixed or Floating (7–10%+)

Eligibility Criteria

  • Non-owner occupied investment properties in STR-permitting markets
  • 12 months of STR hosting history preferred (newer platforms accepted case-by-case)
  • Minimum 660 credit score
  • 20–25% down payment required
  • Property must be in a market where STRs are legally permitted

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • Airbnb/VRBO earnings report (12 months) or AirDNA market analysis
  • STR permit or license (if required by local jurisdiction)
  • Property appraisal with STR income addendum
  • Property management agreement (if using a manager)
  • Bank statements showing STR deposits (if available)
  • Entity formation documents

Frequently Asked Questions