Yes. We finance Airbnb and VRBO properties using the property’s projected short-term rental income rather than your personal income, so you don’t need a long-term lease, tax returns, or W-2s. It’s a DSCR loan structured for short-term rentals — if the projected nightly income supports the mortgage, the deal can qualify, and you can close in an LLC with 30-year fixed financing.

We use projected short-term rental income from market data sources like AirDNA, which estimates daily booking rates and occupancy for the property’s specific market. That projected income goes into the DSCR calculation against your proposed mortgage payment. This approach gives you credit for the higher seasonal and nightly rates a strong vacation rental earns, instead of capping you at a long-term lease figure the way a bank would.

Usually not. SBA and conventional business loans are built for owner-operated businesses, not investment property, and they tend to be slow and restrictive for real estate. A DSCR-based Airbnb loan is purpose-built for investors — it’s faster, underwritten on the property’s income, and closes in your business entity. For an investment short-term rental, it’s almost always the better fit.

A true zero-down purchase generally isn’t realistic, since we lend up to 80% LTV and you’ll bring a down payment. But you can recover your cash through the BRRRR strategy: buy and renovate with a fix and flip or hard money loan, then refinance the stabilized short-term rental into a DSCR loan and pull your capital back out via a cash-out refinance to use on the next deal.

Yes. Every city and state regulates short-term rentals differently — some restrict them to primary residences or specific zones — so part of our underwriting is confirming your property can legally operate as an Airbnb, and we’ll ask for any required permit. We always recommend knowing the property’s fallback long-term rent too, so the deal still works if local rules or platform conditions change.

We have no minimum credit score for a short-term rental loan. We do run a hard credit pull — any legitimate lender will — but a low score doesn’t disqualify your deal. Your score affects your pricing and leverage: stronger credit earns a better rate and higher LTV, while a lower score means more conservative terms. Because the property’s projected or actual STR income carries the underwriting, your credit matters far less than it would at a bank — the property carries the deal.

When there’s no operating history, we use projected short-term rental market rents from data platforms like AirDNA, which estimate nightly rates and occupancy based on comparable properties in that specific market. If the property does have at least 12 months of actual booking income, we can use that instead — and actual history often produces a stronger DSCR than projections alone. Either way, the income figure goes into the DSCR calculation against your proposed mortgage payment to determine whether the deal qualifies and at what terms.

We prefer to see at least a 1.0 DSCR on short-term rental deals, meaning the property’s projected or actual STR income at least covers the full mortgage payment. Deals below 1.0 aren’t automatically declined — they’re reviewed case-by-case with adjusted terms, typically a lower LTV, higher rate, or additional reserves. A strong market, solid booking history, or a viable fallback long-term rent can all help a deal below 1.0 get approved. The stronger the ratio, the better the pricing.

Yes, and most of our short-term rental investors do. Because these are business-purpose investment loans, closing in an LLC is fully supported and often preferred for liability protection — especially important with guest-facing properties. You’ll provide your entity documents during underwriting. A loan closed in your LLC’s name also generally won’t appear on your personal credit report, which preserves your personal borrowing capacity.

We fund short-term rental loans from $75,000 up to $3.5 million for 1–4 unit properties, and up to $5 million for 5+ unit multifamily. If the STR income supports the mortgage and the market is viable, we’ll quote it.

No. Unlike conventional financing, which caps how many financed properties you can hold, our STR loan program places no limit on how many short-term rentals you own or finance. Portfolio investors scaling a vacation-rental business use this structure specifically because it doesn’t cap their growth.

Yes — this is a common play. If you have a property currently financed as a long-term rental and you switch it to a short-term rental model, you can refinance into our STR loan program once the property is operating (or has projected income that supports the deal). You’d provide the STR income data, and we’d underwrite against that instead of the old lease income. If the STR income produces a stronger DSCR, it may improve your terms on the refinance.