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 Loans
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 $2M
- Available for LLCs and entities
2nd Home Conventional
Finance vacation homes you also rent part-time. Ideal for owners who use their STR property personally and want flexible terms.
- As little as 10% down
- Personal use + rental income
- Fixed and adjustable options
Cash-Out Refinance
Tap into your property equity to fund your next investment. Unlock the value in your existing STR properties to acquire more.
- Access up to 75% of property value
- Use funds for any purpose
- Available for DSCR and conventional
- No seasoning on some programs
- Consolidate existing debt
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.