AIRBNB / STR FINANCING
Investment financing for Airbnb and short-term rentals.
DSCR-style loans qualified on actual or projected short-term rental income. Buy, refinance, or cash-out on your STR portfolio without tax returns.
STR financing without the tax-return gymnastics.
Most lenders treat short-term rentals as residential property and qualify you on personal income. That breaks down fast for investors with multiple STRs whose tax returns are a mess of depreciation and pass-through losses.
We structure DSCR-style loans qualified on the property’s actual or projected short-term rental income, using AirDNA or 12-month income history. No personal tax returns. No DTI ceiling. Standard 30-year amortization, with options for interest-only periods.
KEY TERMS
STR loan specs
Income basis
Actual 12-month STR income, or projected income via AirDNA market data on new acquisitions.
Range
$150K to $3M per property. 30-year amortization standard.
Best for
Buy-and-hold STR investors, vacation-rental portfolios, and self-managed Airbnb hosts.
Ready to talk to your specialist?
Three-minute application. No credit impact. Your dedicated specialist calls back inside one business hour.