Short-Term Rental LoansAirbnb & VRBO financing
Finance your Airbnb and VRBO properties with confidence. We qualify you based on AirDNA revenue projections and your STR experience - purpose-built for short-term rental investors.
Up to $3.5M
High loan amounts
Up to 75% LTV
On purchase
AirDNA Qualified
Revenue projections
Built for Airbnb & VRBO
Traditional lenders don't understand short-term rental income. We do. We use AirDNA market data to qualify your property based on real revenue potential.
AirDNA Revenue Qualification
We use AirDNA market data to qualify purchases based on projected short-term rental income. No W-2s or tax returns needed.
Experienced Operators Only
Must document STR operator experience in the last 12 months. We work with serious investors who understand the business.
Fast & Flexible
Borrow in your LLC name, multiple loan terms available, and competitive rates starting at 5.75%.
Built for short-term rental investors
Scale your Airbnb and VRBO portfolios with purpose-built financing.
Up to $3.5 Million
High loan amounts for premium vacation rental properties in top markets.
Up to 75% LTV
Finance up to 75% of your purchase price with competitive terms.
AirDNA Income Qualification
We use 80% of annual AirDNA projected revenue for qualifying. Min 60% occupancy rate required.
Min DSCR 1.15x
Slightly higher DSCR requirement ensures cash flow on your investment property.
SFR, PUD, Townhomes, Condos
Wide range of property types accepted. Must be in major markets (no rural properties).
Refinance Options Available
Refinance eligible with documented 12-month history of short-term rental income.
LLC Ownership Permitted
Borrow in your LLC name for liability protection. Foreign nationals welcome.
Qualification requirements
Borrower Requirements
- Minimum 720 FICO score
- Documented STR experience in last 12 months
- No first-time investors
- US citizens, permanent residents, and foreign nationals welcome
- LLC ownership allowed
- Gift funds accepted for down payment
Property Requirements
- SFR, PUD, townhomes, condos accepted
- Major markets only (no rural properties)
- No 2+ unit properties or unique properties
- Property Guard report required
- Min 60% occupancy rate (AirDNA)
- Up to 6% seller concessions
Perfect for these STR investors
Experienced Hosts
Already running successful Airbnb or VRBO properties? Scale your portfolio with favorable financing.
Market Expansion
Entering a new vacation rental market? We use AirDNA data to qualify based on local revenue potential.
Portfolio Refinance
Refinance existing STR properties with 12+ months of documented rental history to access better terms.
Ready to finance your next STR?
Get pre-qualified based on AirDNA projections. Loans up to $3.5M at competitive rates for experienced hosts.