Loan Products

Two Paths to Ownership

Every STR acquisition is different. We match you with the loan structure that fits your strategy.

Most Popular

DSCR Loan

Qualify based on the property's rental income — not yours. Ideal for investors who want speed, flexibility, and no income documentation.

  • No personal income verification
  • Use projected STR rental income
  • Close in LLC or personal name
  • Up to 80% LTV
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Conventional Loan

Finance your STR as a 2nd home with as little as 10% down. Best for buyers who can document income and want the lowest available rate.

  • Purchase as a 2nd home with 10% down
  • Lower interest rates vs. DSCR
  • Flexible occupancy requirements
  • Ideal for vacation-market STRs
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Built for Investors

Why STR Investors Choose Us

No W-2 Required

DSCR loans qualify on property performance — your personal income stays out of it.

STR Income Projections

Use AirDNA data or booking history to qualify — not your tax returns.

Close in 21–30 Days

Move fast on high-performing assets before the competition does.

LLC or Personal Name

Structure the purchase to fit your portfolio and liability strategy.

Our Process

How It Works

1

Get Pre-Qualified

Tell us about the property and your investment goals. We'll identify the best loan product and give you a clear picture of your buying power.

2

Loan Structuring

We structure the loan around your property's projected performance — locking your rate and guiding you through underwriting with full transparency.

3

Close & Collect Rent

We close on time — typically 21–30 days. You get the keys, list the property, and start generating income.

FAQ

Frequently Asked Questions

Do I need to verify personal income to buy an STR?
No. With a DSCR loan, qualification is based on the property's projected rental income — not your W-2s, tax returns, or pay stubs. If the property's income covers the debt obligation, you can qualify.
Can I close in an LLC?
Yes. DSCR loans allow you to close in an LLC, which many STR investors prefer for liability protection and portfolio management. Conventional loans must close in your personal name.
What credit score do I need?
DSCR loans typically require a minimum score of 660. Conventional loans generally require 620 or higher. Higher scores unlock better rates and terms.
What loan-to-value is available for STR purchases?
DSCR purchase loans are available up to 80% LTV (20% down). Conventional loans can go as low as 10% down when purchasing as a 2nd home.
Can I use projected Airbnb income to qualify?
Yes. DSCR lenders use projected short-term rental income from platforms like AirDNA or actual booking history to calculate the debt service coverage ratio. This is one of the biggest advantages for STR investors.

Ready to Finance Your Next STR?

Get pre-qualified in minutes. Our team specializes in structuring loans for short-term rental investors.

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