Loan Programs
We offer a range of mortgage products specifically designed for short-term rental investors. Find the right loan for your investment goals.
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
How It Works
Getting financing for your short-term rental property is straightforward with our streamlined process.
Get Pre-Qualified
Fill out our quick form or give us a call. We'll review your scenario and match you with the best loan product.
Lock Your Rate
Once approved, we'll lock in your rate and guide you through the underwriting process with full transparency.
Close & Fund
We close on time — typically 21–30 days. Start earning rental income on your new investment property.
Not Sure Which Loan Is Right for You?
Our STR financing specialists will review your investment goals and recommend the ideal loan program.