STR income accepted
Short-Term Rental Loans
Airbnb-friendly financing based on actual STR income.
Financing structured around short-term rental cash flow — Airbnb, VRBO, and beyond. We use market STR data to underwrite, not just long-term rents.
Rate Range
From 5.75%
Max LTV/LTC
Up to 80% LTV purchase / 75% cash-out
Loan Term
30-year fixed / ARM options
Min Loan
$75,000
Eligibility Requirements
Do You Qualify?
Minimum 640 credit score
Non-owner-occupied STR property
AirDNA or comparable STR market data
No minimum DSCR — STR income used for qualification
STR-friendly local regulations confirmed
Real-World Scenario
How This Works in Practice
Your beachside property in Folly Beach grosses $4,800/mo on Airbnb. We underwrite based on STR income data — not hypothetical long-term rent — so you qualify for the capital you actually deserve.
Ready to run the numbers on your deal?
Start ApplicationHave a Short-Term Rental deal on your desk?
Submit your application in under 5 minutes. We review every deal personally and respond within 2 business hours.
Apply Now — It's Free