Financed on what it earns by the night.
Short Term Rental Loans can help investors finance vacation and short-term rental properties with flexible financing options.
We compare short term rental loan options across 100+ lenders to help you find the right fit for your investment goals.
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
You can provide verifiable platform statements if the property possesses an established operational history. Alternatively, a professional projection sourced directly from a specialist appraisal report works perfectly if no prior historical rental data exists.
A property in a permitted area
Municipal and local rules concerning short-term letting can vary enormously depending on the jurisdiction. Furthermore, these legal regulations tend to change quite frequently, making it vital to verify compliance before proceeding further.
A deposit
Generally more than a standard rental purchase, though some buyers specifically ask about short-term rental loans with 10% down options, which do exist through certain lenders but typically come with stricter income and reserve requirements to offset the smaller down payment.
A credit history the lender can price
Standard.
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 is priced 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, which is why short term rental loans exist as a distinct category from conventional investment financing.
What if the property has no booking history?
A specialist appraisal can provide a projected income figure in place of platform statements, which most lenders offering short-term rental loan programs will accept in lieu of an existing track record.
Can I stay there myself?
Occasional personal use is often fine, but regular use can shift the property into second-home classification, which prices differently than a pure short-term rental.
What about local short-term letting rules?
These vary by city and county and change often, so it is worth checking the current rules for that specific address before you commit to a purchase or a refinance.
Are reserves higher?
Yes, generally. Seasonal income has gaps that a steady long-term lease does not, so lenders typically require more reserves on a short-term rental file than on long-term rental loans.
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.