Compare conventional and DSCR loans from top lenders specializing in short-term rental properties.
Expert STR lending from a fellow STR investor and top 1% national originator
Rates from
6.75%
30+ years of mortgage experience ($1B+ in originations)
Closed 3 loans for our BNB Calc team near prime rates
Personal STR investor (owns several Airbnbs)
Understands STR market dynamics and financing needs
Flexible, competitive loans for cash-flowing investment properties
Rates from
6.00%
Up to 85% financing
Purchase or refinance
FICO score of 620+
Title in LLC/Corporation
Qualify based on your property’s income potential, not your personal income.
If projected rental income > mortgage payment, you can qualify
Traditional lenders often struggle to understand the unique aspects of short-term rental investments. STR-specialized lenders offer distinct advantages:
Use projected STR income to qualify
Higher debt-to-income ratios accepted
Faster closing times
"The DSCR loan process was incredibly smooth. We closed in just 3 weeks and the rates were exactly what we needed for our STR investment."
Michael Chen
Mountain Cabin in Colorado
"Using a specialized STR lender made all the difference. They understood our business model and didn't require traditional income documentation."
Sarah Martinez
Beach Condo in Florida
Compare loan options and get pre-qualified today. Our lending experts are here to help you find the perfect financing solution.