Finance Your Next Short-Term Rental Investment
Expert DSCR loans and conventional financing for Airbnb, VRBO, and vacation rental investors. Competitive rates, fast closings, and a team that understands the STR business.
Tailored Financing for STR Investors
Whether you're purchasing your first Airbnb or expanding your portfolio, we have the right loan product for your needs.
DSCR Loan
Qualify based on rental income, not personal income. The go-to loan for short-term rental investors who want to scale their portfolio without W-2 limitations.
- No personal income verification
- Based on property cash flow (DSCR ratio)
- Close in as few as 21 days
- Loan amounts up to $6M
- Available for LLCs and entities
Conventional Loan
Lower rates for vacation homes you also rent part-time. Ideal for owners who use their STR property personally and want the best available rates.
- Lower rates than investment property loans
- As little as 10% down
- Use the property personally too
- Fixed and adjustable options
- Conforming loan limits apply
Home Equity Line of Credit (HELOC)
Access your property's equity on demand — draw what you need, when you need it. A flexible credit line backed by your STR portfolio.
- Revolving credit line up to 85% CLTV
- Draw and repay on your schedule
- Interest-only payments during draw period
- Available for primary and investment properties
- Use funds for renovations, acquisitions, or reserves
Built for Short-Term Rental Investors
We don't just process loans — we understand the STR business. Our team of specialists brings deep expertise in vacation rental financing to every transaction.
- STR-specialized underwriting that understands Airbnb income
- Close in as few as 21 days with streamlined processing
- Access to 50+ lender partners for the best rates
- Expert guidance from loan officers who invest in STRs themselves
What Our Clients Say
“STR Home Loans made our DSCR loan process incredibly smooth. We closed on our Austin Airbnb in just 23 days — no tax returns, no hassle. The property cash flows beautifully and we're already looking at our next one.”
“We wanted a cabin in the Smokies that we could enjoy AND rent on VRBO. STR Home Loans got us a fantastic rate on a second home conventional loan with just 10% down. It's the best financial decision we've made.”
“After building equity in my first two STR properties, I used STR Home Loans for a cash-out refi to fund my third and fourth acquisitions. Their DSCR expertise is unmatched — they understand the STR business.”
Frequently Asked Questions
What is a DSCR loan and how does it work?
Can I finance an Airbnb or VRBO property?
What credit score do I need?
How fast can you close?
Ready to Start Your STR Journey?
Get pre-qualified in minutes. Our team of STR financing specialists will find the perfect loan program for your investment goals.