Financed on what it earns by the night.
Short-term rental financing across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Nightly income does not fit a standard rental calculation. A narrower group of lenders will read it properly.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Short-term rental financing is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You are buying in a holiday market | Orlando, the Florida coast and the Outer Banks are the core markets here | Where we lend → |
| The property already has a booking history | Existing platform records are the strongest evidence you can bring | DSCR loans → |
| You are converting a long-term rental | The income changes shape, and so does the lender you need | DSCR loans → |
| You will use it yourself sometimes | Possible, but it changes the classification. Be clear about it early | Second home → |
| You want to hold it in a company | Common at this level | LLC lending → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a short-term rental file needs
Income evidence
Platform statements if it has a history, or a projection from a specialist appraisal if not.
A property in a permitted area
Local rules on short-term letting vary enormously and change often.
A deposit
Generally more than a standard rental purchase.
A credit history the lender can price
Standard.
Reserves
More than a long-term rental, because seasonal income has gaps in it.
A lender comfortable with nightly income
The narrowest lender pool in the investor silo.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Local rules can change under you
Cities and counties revise short-term letting regulations regularly. Check the current position for that specific address before you commit.
Seasonality is real income risk
A strong annual figure can hide months of very little. Lenders know this, which is why reserves matter here.
Using it yourself changes the classification
Occasional personal use may be fine. Regular use can move it into second-home territory, which prices differently.
Nadeem Bhatti
Where we place short-term rental loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What short-term rental buyers ask
Can I finance an Airbnb property?
Yes, through lenders that will read nightly income. Standard rental lending usually will not.
What if the property has no booking history?
A specialist appraisal can provide a projection. Real history is stronger, but a projection is workable.
Can I stay there myself?
Occasionally, usually. Regular personal use can reclassify it as a second home, which changes the pricing.
What about local short-term letting rules?
They vary by city and county and they change. Confirm the position for that address before going under contract.
Are reserves higher?
Usually, because seasonal income has quiet months in it. Lenders want to see you can cover them.
Get your short-term rental priced
Send us the address and any booking history. We will price it across the lenders that read nightly income, free.