Financing Your Next Vacation Rental: A Comprehensive Overview

Why Short Term Rental Loans Are Essential for Today's Real Estate Investors

A short term rental loan is a highly specialized financing instrument carefully crafted for investors purchasing properties intended for use as vacation rentals on platforms like Airbnb, Vrbo, and Booking.com. Unlike the traditional mortgages you might get for a primary residence, these loans pivot away from scrutinizing your personal W-2s and tax returns. Instead, they focus on the single most important metric for an investment: the property's actual or projected income-generating potential.

This shift in focus is a direct response to the explosive growth of the short-term rental market. Fueled by a post-pandemic travel boom and a fundamental shift in consumer preference towards unique, private accommodations, the STR sector has become a dominant force in real estate. Vacation rentals frequently generate significantly higher returns, often producing double the gross monthly cash flow of an identical property under a traditional long-term lease. For example, a property that might fetch $2,500 in long-term rent could easily command an average of $250 per night as an STR. Even with a conservative 60% occupancy rate, that translates to $4,500 in monthly revenue, showcasing the immense financial upside.

Despite this lucrative potential, a massive financing gap emerged. Many ambitious real estate investors find themselves hitting a brick wall when they approach conventional lenders. Traditional banks and credit unions, accustomed to the predictable rhythm of salaried income and 12-month leases, view short-term rental income as volatile, seasonal, and inherently risky. Their rigid underwriting models struggle to assess income that can fluctuate dramatically from a peak season to a shoulder season, leading to frustratingly slow processes, undervalued income calculations, and, ultimately, frequent rejections.

This very friction created the necessity for a new class of specialized lenders. These lenders aren't just financiers; they are experts in the vacation rental market. They have built their entire business model around understanding the nuances of STRs. They employ sophisticated, data-driven approaches, analyzing hyper-local rental comparable data, seasonal trends, and detailed income projections from platforms like AirDNA, rather than getting bogged down in your personal tax returns.

Key Features of Short Term Rental Loans:

• No personal income verification required for qualification
• Debt Service Coverage Ratio (DSCR) model based on property cash flow
• Down payments typically 20-25% of property value
• Fast closing times ranging from 5-30 days, a crucial advantage in competitive markets
• LLC ownership is not just allowed but encouraged for asset protection and scalability
• Loan amounts are flexible, from as low as $75,000 for a small condo to over $3 million for luxury properties

I'm Daniel Lopez, a senior loan officer at BrightBridge Realty Capital. Over the years, I've had the privilege of helping hundreds of investors, from first-timers to seasoned professionals, steer the complexities of short term rental loan financing across a diverse array of markets and property types. My experience has repeatedly shown me that securing the right financing structure isn't just a step in the process; it is often the critical factor that separates a highly profitable, cash-flowing investment from a missed opportunity.

Why Traditional Mortgages Fall Short for Vacation Rentals

You've done your due diligence. You've found a perfect beachfront condo that data shows is generating a staggering $8,000 a month on Airbnb during peak season. The numbers are not just good; they're incredible. You take your well-researched deal to your local bank, confident in your find, only to have your traditional mortgage application rejected. Why?

Traditional mortgages weren't designed for the dynamic, entrepreneurial world of short-term rentals. They are products of a different era, built for a world of predictable W-2 income and consistent, year-long leases. They are fundamentally incompatible with the profitable but variable nature of vacation rental income.

Banks and conventional lenders view short-term rental income with deep-seated skepticism. Their underwriters see income volatility and seasonality not as features of a successful business model, but as red flags indicating unacceptable risk. While you see the immense opportunity in earning a year's worth of traditional rent in a few peak summer months, the lender's standardized software sees only unpredictability. This creates a fundamental mismatch between what constitutes a great real estate investment and what they consider a "bankable" loan.

The Property Classification Dilemma

The property classification issue adds another thick layer of complexity. When you apply for a conventional loan, the property must be categorized as a primary residence, a second home, or an investment property. Short-term rentals don't fit neatly into any of these boxes.

• Second Home: This classification comes with more favorable interest rates but has strict limitations. Fannie Mae and Freddie Mac guidelines, which most banks follow, stipulate that a second home must be for the borrower's personal use for a portion of the year and is typically restricted from being rented for more than 180 days. This directly conflicts with the goal of maximizing rental income.
• Investment Property: This seems like the logical choice, but these loans are underwritten based on traditional long-term rental income. The appraiser will be asked to provide a Comparable Rent Schedule (Form 1007) based on what the property would rent for to a long-term tenant, completely ignoring the higher STR income potential. This leads to a drastically lower qualifying income and can easily kill the deal.

The Challenge of Proving Income

Traditional lenders live and die by the debt-to-income (DTI) ratio, a strict calculation that compares your total monthly debt obligations to your gross monthly income. To prove this income, they demand years of W-2s, pay stubs, and federal tax returns. This model completely breaks down for STR investors in several ways:

1. The Property's Income Doesn't Count (Properly): As mentioned, lenders will default to using lower, long-term rent estimates, ignoring the property's true earning power. An underwriter trained to see consistent monthly payments struggles to comprehend how an Airbnb can earn $10,000 in July but only $2,000 in October. They can't fit this fluctuating monthly revenue into their standardized formulas.
2. The Self-Employment Hurdle: Many investors are self-employed. Traditional lenders typically require a two-year history of stable or increasing income, averaged from your tax returns. If you're a new entrepreneur or had a high-expense year, you may not qualify, regardless of how profitable your new venture is.
3. The New Property Problem: If you're buying a vacant property or one that has never been used as an STR, you have no historical income to show. Lender skepticism peaks in this scenario. Asking a traditional bank to trust projected income from a data service like AirDNA for a property that has never been rented is, in most cases, a non-starter.

Strict Underwriting and Occupancy Rules

Here's where the frustration truly boils over. Traditional mortgages come with owner-occupancy requirements and covenants that can completely derail your investment strategy. A second home loan might limit you to renting the property for only 180 days per year or less. That's like buying a high-performance race car and being told you can only drive it on weekends in residential zones.

Investment property loans under the conventional umbrella remove the occupancy restrictions but double down on the reliance on your personal finances. The underwriting still focuses heavily on your personal DTI ratio rather than the property's capacity to pay for itself. Imagine your target property can generate $7,000/month, but the bank's appraiser says long-term rent is only $3,000. The bank will only use that $3,000 figure (and often only 75% of it) to qualify you. If your personal DTI is already high, the loan will be denied, even though the property is a cash-flow machine.

The irony is that a well-chosen short-term rental property is often a less risky asset, with diversified income from many guests rather than a single tenant. Yet, the rigid, outdated framework of traditional financing makes it nearly impossible for most investors to access this opportunity. This is precisely why specialized short term rental loans have become an absolutely essential tool for the modern real estate investor.

Exploring Your Financing Options: A Guide to Short Term Rental Loans

Now that we've established why traditional mortgages are often a dead end for vacation rental investors, let's explore financing options that are actually designed for this purpose. A new ecosystem of specialized short term rental loan products has emerged, each created to address the specific needs of investors like you.

Think of this as your strategic roadmap through the modern financing landscape. Each path has its own unique benefits, requirements, and trade-offs. The optimal choice will depend on your specific property, your investment goals, your financial situation, and your timeline.

The DSCR (Debt Service Coverage Ratio) Loan: The Investor's Gold Standard

The DSCR loan has single-handedly revolutionized short-term rental financing. It's a paradigm shift in lending. Instead of obsessing over your personal pay stubs, these loans focus on one simple, powerful question: can the property's income cover its own expenses?

The formula is neat in its simplicity: a property's gross projected monthly income is divided by its total monthly payment. This payment, often called PITIA, includes the Principal, Interest, Taxes, Insurance, and any Association (HOA) fees. The resulting number is the Debt Service Coverage Ratio. While many lenders look for a DSCR of 1.25 or higher, many of our specialized short term rental loan programs at BrightBridge have no minimum DSCR requirement, offering incredible flexibility for properties in seasonal markets or those with massive upside potential.

What makes DSCR loans so powerful is their purely asset-based approach. The property is the star of the show, not your personal tax returns. This translates to game-changing benefits:

• No personal income verification.
• No DTI calculations.
• Ability to close in an LLC for asset protection and anonymity.
• Fast closing times, often in 30 days or less.

These loans are typically structured as 30-year fixed-rate mortgages, providing the same long-term stability as a conventional loan. For investors who are serious about scaling a portfolio of properties, DSCR loans are the undisputed gold standard. You can learn more about the mechanics of these powerful tools on our dedicated DSCR loans page.

Conventional Second Home & Investment Property Loans: A Limited Option

While DSCR loans are the ideal solution for most STRs, it's worth understanding the conventional options, if only to recognize their limitations.

Second home mortgages can sometimes work if your primary goal is personal use with only occasional renting. However, they come with strict rental restrictions (often 180 days or less per year) and require full personal income qualification based on your DTI, bringing back all the challenges we discussed earlier.

Conventional investment property loans remove the occupancy restrictions but still rely heavily on your personal finances and use conservative long-term market rents for qualification. This systematically undervalues a high-performing STR, making it difficult to qualify for the loan amount you need.

Both options require extensive personal financial documentation, and the underwriting process is significantly longer and more arduous than with specialized alternatives. They are not optimized for the speed and unique dynamics of modern short-term rental investing.

Alternative Financing: Private Money, Commercial, and Bridge Loans

For unique situations that demand speed, flexibility, or scale, alternative financing options can be powerful tools in your arsenal. These products operate outside the conventional box, but typically come with different terms and pricing.

• Private Money Lenders: These are often individuals or small funds that focus on the asset's value and the relationship with the borrower. They can move incredibly fast, closing a deal in a matter of days, which is a massive advantage in a hot market. The trade-off is typically higher interest rates (often in the low double digits) and shorter loan terms (1-3 years). This makes them ideal for acquiring a property quickly with the intent to refinance into a long-term DSCR loan once it's stabilized.

• Commercial Loans: When your ambitions scale up to larger properties—think small motels, 5+ unit multi-family buildings, or condotels—you'll enter the field of commercial lending. These loans are underwritten purely as a business venture and often require more substantial down payments (25-35%) and have higher minimum loan amounts.

• Bridge Loans: Bridge loans are a critical tool for the savvy STR investor. These short-term financing solutions are designed to "bridge" a gap in your financing strategy. Consider this scenario: you find a dated property in a prime location that needs $50,000 in renovations. A bridge loan can provide the funds for both the purchase and the renovation. Once the work is complete and the property is generating income on Airbnb, you can refinance into a permanent, lower-cost DSCR loan based on the new, higher appraised value. At BrightBridge, we specialize in these quick-turnaround solutions. Explore our stabilized bridge loans to see how they can fit into your strategy.

The key with all alternative financing is to understand the cost-benefit analysis. Higher flexibility and speed often come at a higher cost. These products are best used as strategic, short-term tools within a broader investment plan, not as permanent financing solutions.

How to Qualify for a Short Term Rental Loan

Qualifying for a short term rental loan is a refreshingly logical and streamlined process compared to the ordeal of a traditional mortgage. We shift the focus from a forensic examination of your personal finances to a business-like evaluation of the asset's performance. We don't need your W-2s or tax returns; we care about the property's ability to generate income. This modern approach opens the door to real estate investing for a much broader range of people, including the self-employed, entrepreneurs, retirees, and those just beginning their STR journey. The property's potential is the true star of the show.

Understanding the DSCR Model: A Practical Example

Most short term rental loan approvals hinge on the Debt Service Coverage Ratio (DSCR). The calculation is designed to answer one fundamental question: "Does this property generate enough income to pay its own bills, with a reasonable cushion?"

Here's the formula: DSCR = Gross Monthly Projected Income ÷ Total Monthly PITIA Payment

Let's walk through a real-world example:

• Purchase Price: $600,000
• Down Payment (25%): $150,000
• Loan Amount: $450,000
• Interest Rate (example): 7.5% on a 30-year fixed loan
• Monthly Principal & Interest (P&I): $3,146
• Monthly Property Taxes (est.): $500
• Monthly Homeowner's Insurance (est.): $175
• Monthly HOA Dues: $100
• Total Monthly PITIA: $3,146 + $500 + $175 + $100 = $3,921

Now for the income side. We use data from a service like AirDNA, which projects that this specific property, based on local comps, can generate $6,200 in gross monthly revenue.

• DSCR Calculation: $6,200 (Income) ÷ $3,921 (PITIA) = 1.58

Most lenders want to see a DSCR of at least 1.20, meaning the property generates 20% more income than its expenses. In this case, a 1.58 DSCR is exceptionally strong and would be easily approved. However, our specialized programs at BrightBridge often have no minimum DSCR requirement, which gives us incredible flexibility to finance properties in emerging markets or unique situations where the upside is clear.

Key Eligibility Requirements

While the focus is on the property, the borrower still needs to meet some straightforward eligibility criteria. These requirements are not about your income, but about demonstrating financial responsibility and commitment to the investment.

• Down Payment: A down payment of 20-25% is the industry standard. Putting 25% down (resulting in a 75% Loan-to-Value ratio) will typically secure you the best interest rates and terms. Some programs can go as low as 15% down, but this is less common.
• Credit Score: A minimum credit score of 620 is generally required. However, a score of 680 or higher is preferred and will open up better pricing. A strong credit score, even without income verification, shows the lender a history of meeting financial obligations.
• Loan-to-Value (LTV): For purchases and standard rate/term refinances, LTVs can go up to 80%. For cash-out refinances, where you are pulling equity out of the property, the LTV is typically capped at 75%. For properties in rural locations, expect a more conservative LTV cap of 70% due to market considerations.
• Property Value & Type: Most programs have a minimum property value of around $100,000 to $125,000. We can finance a wide range of property types, including single-family homes, condos, townhouses, and multi-unit properties (2-4 units). Our specialized programs can even handle properties up to 10 units and are one of the few comfortable with condotels—condo-hotel hybrids that are often perfect for short-term renting but a nightmare for traditional lenders.
• Ineligible Properties: Lenders may be hesitant to finance properties with significant deferred maintenance, unique or unconventional structures (like yurts or geodesic domes), or those in areas with no comparable sales data.

The Power of Data: Using Projected Income to Qualify

The most aspect of short term rental loan financing is the ability to approve a loan based on projected income, even if the property has zero rental history. This is a complete game-changer for investors buying vacant properties or converting a long-term rental or primary residence into an STR.

We achieve this by leveraging sophisticated, third-party data from sources like AirDNA's Rentalizer, PriceLabs, and Rabbu. These platforms analyze millions of data points from real bookings on Airbnb and Vrbo to project average daily rates (ADR), occupancy percentages, and monthly revenues for your specific property. This data is then cross-referenced with an appraiser's market rent assessment to create a comprehensive and defensible picture of the property's true earning potential.

This data-driven approach allows us to confidently underwrite loans for investors who qualify as a "Professional STR Investor." This designation is typically granted to borrowers who can demonstrate ownership of three or more successful STRs, or at least one successful property in the same market. For these experienced investors, we can often use 100% of the projected AirDNA revenue for qualification, recognizing their expertise and allowing for more aggressive and favorable financing.

This methodology removes one of the single biggest barriers to entry in short-term rental investing. You no longer need to find a property with a year of perfect rental history or settle for the ridiculously conservative long-term rent estimates that traditional banks use. You can invest based on future potential, not just past performance.

Navigating the Process and Key Considerations

Securing a short term rental loan is more than just a transactional step; it's a strategic decision that requires understanding how these specialized products function in the real world. A successful investment depends on navigating the process wisely and being aware of the key considerations that can impact your returns. Let me walk you through what you need to know to make smart decisions and avoid common pitfalls.

Pros and Cons of Specialized STR Loans

Every financing option involves a balance of benefits and trade-offs. For most serious STR investors, the advantages of specialized loans far outweigh the drawbacks.

The Pros:

• Best Speed: In a competitive real estate market, speed is your ultimate weapon. While traditional loans can take 45-60 days to close, we can often provide a loan commitment in 24-48 hours and close the entire transaction in 5-15 business days. This allows you to make aggressive, non-contingent offers that sellers love.
• No Personal Income Verification: This is the cornerstone benefit. Free yourself from the burden of digging up years of tax returns, W-2s, and pay stubs. Your ability to qualify is tied to the asset's performance, not your personal DTI ratio.
• LLC Ownership: These loans are designed for you to hold title in a Limited Liability Company (LLC) or other corporate entity. This is crucial for protecting your personal assets from business liabilities and makes it significantly easier to scale your portfolio without cluttering your personal credit report.
• Broad Property Eligibility: We can finance properties that traditional lenders won't touch, including those with no rental history, properties in rural or vacation-only markets, and even complex assets like condotels.

The Cons (and how to manage them):

• Higher Interest Rates: The rates on DSCR and other specialized investment loans are typically 1.5% to 3% higher than the headline rates you see for a conventional, owner-occupied mortgage. This is a risk-based premium for the flexibility of no-income verification. The key is to ensure your rental income projections comfortably cover this higher cost.
• Prepayment Penalties: Many of these loans come with a prepayment penalty, which is a fee charged if you pay off the loan within a certain period (usually 1-5 years). A common structure is a "step-down" penalty, like 3-2-1, meaning a 3% fee in year one, 2% in year two, and 1% in year three. It's vital to understand these terms upfront and align them with your investment strategy.
• Owner-Use Restrictions: These are commercial-in-nature loans for investment properties. As such, your personal use is generally limited to 14 days per year to maintain the investment classification. If you plan to use the property extensively yourself, a traditional second home loan might be a better, albeit more restrictive, fit.

The Critical Impact of Local Regulations and Zoning

Local regulations are the single biggest external risk to your STR investment and can dramatically affect your financing options. Cities across the country are struggling with how to manage the rise of vacation rentals, and the legal landscape is constantly shifting.

Before you even make an offer, conducting thorough regulatory due diligence is non-negotiable. Here is a checklist of what you need to investigate:

1. Zoning Laws: Is the property located in a zone that explicitly permits short-term rentals? Some cities restrict them to specific commercial or tourist zones.
2. Licensing and Permits: Does the city require a license to operate? What are the associated fees and renewal requirements? Is there a cap on the number of licenses issued?
3. Occupancy and Nightly Limits: Are there rules on how many guests can stay or how many nights per year you can rent the property out?
4. Taxes: You will almost certainly be required to collect and remit local and state occupancy taxes (also known as lodging or hotel taxes). Factor these into your revenue and expense calculations.
5. HOA Rules: If the property is in a community with a Homeowners Association, you must get a copy of the covenants and restrictions (CC&Rs). Many HOAs have outright bans or severe restrictions on short-term renting.

We are happy to lend in established vacation towns where seasonal income is the norm. However, if a property is in a city with a pending moratorium or hostile regulatory environment, it becomes a much riskier proposition for both you and the lender.

Best Practices for Securing Your short term rental loan

• Work with a Specialized Lender: This is the most important decision you'll make. Don't waste time with a traditional bank that doesn't understand the STR market. A specialized lender like BrightBridge Realty Capital lives and breathes this stuff. Our entire process is built around the realities of vacation rental investing.
• Get Pre-Approved, Not Just Pre-Qualified: A pre-qualification is a rough estimate. A pre-approval is a firm commitment from the lender based on a review of your credit and the preliminary details of the deal. It carries much more weight with sellers.
• Prepare Your Documentation: Even with streamlined underwriting, having your documents ready will speed things up. This includes your LLC formation documents, a personal financial statement (to show reserves), property details, and any income projections you've run.
• Use an LLC from Day One: Setting up an LLC is simple and inexpensive. It protects your personal assets, provides a professional structure for your business, and makes it easier to obtain financing without impacting your personal credit profile for every new property you acquire.

Frequently Asked Questions about Short Term Rental Loans

As an investor, it's natural to have questions when exploring a new type of financing. Let me address the most common and critical questions I hear every day from investors considering their first short term rental loan. Getting clear, honest answers can provide the confidence you need to move forward and build your portfolio.

Can I get a loan for an Airbnb property without any rental history?

Yes, absolutely and unequivocally. This is one of the most powerful features of a modern short term rental loan. You do not need one or two years of rental history to qualify.

We operate in an age of big data. Sophisticated tools like AirDNA's Rentalizer, PriceLabs, and others provide us with incredibly detailed and accurate income projections. They analyze real-time booking data from thousands of comparable properties in your specific neighborhood to forecast average daily rates, occupancy percentages, and gross monthly revenues. This isn't guesswork; it's data science.

Our underwriters take this third-party projected income data and combine it with the market rent analysis from a licensed appraiser. This creates a robust and defensible picture of your property's true earning potential. This means you can confidently get financing for a vacant home, a property you're converting from a long-term rental, or even a home that is fresh off a major renovation. The property's future potential is what matters, not its past performance.

Furthermore, if you qualify as a "Professional STR Investor"—typically meaning you can document ownership of three or more successful short-term rentals, or even just one successful STR in the same market—we can often use 100% of the projected AirDNA revenue for qualification, giving you even more borrowing power.

What is the typical down payment for a short term rental loan?

For a short term rental loan, you should plan for a down payment of 20% to 25% of the property's purchase price. While some specialized programs may allow for as little as 15% down, the 20-25% range is the industry standard and offers the most benefits.

Providing a 25% down payment (which equates to a 75% loan-to-value or LTV) is often the sweet spot. It demonstrates a strong commitment to the investment, reduces the lender's risk, and in return, typically open ups the most favorable interest rates and loan terms. We do offer programs that go up to 80% LTV (20% down) for purchases, but availability can depend on the specific property, market, and borrower's credit profile.

While this down payment may seem higher than for a primary home, remember the significant trade-off: you are bypassing the entire personal income verification and DTI analysis that derails so many investors at traditional banks. The streamlined, asset-based process is well worth the higher equity contribution for serious investors.

What are the interest rates for short term rental loans?

Interest rates for DSCR and other specialized STR loans are risk-based and will be higher than the rates for a conventional mortgage on your primary home. You can typically expect rates to be 1.5% to 3% higher than a comparable 30-year fixed conforming loan.

The final rate is determined by several factors:

• Loan-to-Value (LTV): Lower LTV (i.e., a higher down payment) means less risk and a lower rate.
• Credit Score: A higher credit score demonstrates financial responsibility and results in a better rate.
• DSCR: A property with a very high DSCR (e.g., 1.50+) may receive better pricing than one that just barely covers its expenses.
• Prepayment Penalty: Opting for a longer prepayment penalty period (e.g., 5 years vs. 1 year) can often reduce your interest rate.

It's crucial to view the interest rate not in isolation, but as one component of your overall return on investment calculation.

Can I use the property for my own vacations?

This is a critical point to understand. For DSCR loans, which are the most common type of short term rental loan, the property must be treated as a pure investment. This means your personal use is strictly limited, typically to no more than 14 days per year. This rule aligns with IRS guidelines for classifying a property as a business rental rather than a personal vacation home.

While this might seem restrictive, this classification is precisely what makes the favorable asset-based loan terms possible. The lender is underwriting an income-generating business, not subsidizing your personal vacation home. If your primary goal is extensive personal use—for example, spending the entire summer at the property—a DSCR loan is likely not the right fit. You would need to explore a traditional second home mortgage, accepting the income qualification problems and rental limitations that come with it.

Most successful investors I work with find that limiting their personal use helps them maintain a business-focused mindset, concentrating on optimizing pricing, enhancing the guest experience, and maximizing their return on investment.

Conclusion: Your Partner in STR Investing Success

The short-term rental market has firmly established itself as a cornerstone of modern real estate investing. It has evolved from a side hustle into a sophisticated and highly profitable strategy that, when executed correctly, can generate double the cash flow of traditional long-term rentals, building wealth at an accelerated pace.

As we've seen, the rigid, outdated framework of traditional mortgages is ill-suited for this dynamic industry. Their inability to properly value seasonal income and their insistence on personal DTI ratios created a massive financing gap—a gap that specialized lenders have now expertly filled.

Short term rental loans, particularly those built on the powerful DSCR model, have fundamentally changed the game for investors. They offer a clear and logical path to financing based on the quality of the deal itself. Key advantages include:

• Focus on Property Income: Your personal W-2 is irrelevant; the property's cash flow is what matters.
• Speed and Certainty: Close in days, not months, giving you a powerful competitive edge.
• Asset Protection: Use an LLC to protect your personal wealth and scale your business professionally.
• Data-Driven Decisions: Leverage projected income data to finance properties based on their true potential.

At BrightBridge Realty Capital, we have built our entire company around the unique needs of short-term rental investors. We are not a traditional bank trying to fit a square peg into a round hole. We are a direct lender that understands the urgency and nuances of your business. When you find that perfect property, you can't afford to wait months for a financing decision. That's why we've engineered our processes for speed and flexibility, often closing loans in just 5-15 business days.

Our direct lending model means no middlemen, no confusing handoffs, and no unnecessary delays. You work with a dedicated expert who understands your goals. Whether you're financing your very first Airbnb cabin in the mountains or expanding a multi-million dollar portfolio of beach condos, we tailor our solutions to fit your specific strategy.

The vacation rental market is not just growing; it's maturing. Trends like "flexcations" and the rise of digital nomads mean demand is stronger and more year-round than ever. The financing tools to support this growth have never been more powerful or accessible. Don't let outdated lending practices keep you on the sidelines. The right financing partner is the catalyst that can turn your investment vision into a tangible, cash-flowing reality.

Ready to take the next step? Let's turn your short-term rental ambitions into a success story. The first step is a simple, no-obligation conversation.

Find your customized rental loan solution