Short-Term Rental (STR) loans are specialized financing options designed for investors who earn income from properties listed on platforms like Airbnb or other vacation rental channels. Unlike traditional mortgages that rely on long-term lease income or personal earnings, STR loans focus on the property’s short-term rental performance and projected cash flow.
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When choosing Loan Guys, we can provide long-term financing for Airbnb and VRBO properties to generate cash flow. Airbnb properties have become increasingly more needed as travelers try to find more comfortable and reasonably priced accommodations. Airbnb’s and VRBO’s are popular and continue to present profitable options for short-term rental real estate investors looking to diversify their portfolio.
As long you break even on the property, we can help you get as many loans as you like! This allows us to focus solely on credit and liquidity.
Up to 85% loan to value on single-family residence, 2-4 units, condos, and townhomes
Purchase, refinance, and cash out options available
Minimum credit score of 640
15% down payment
Nationwide lending
Loan term 30-year fixed/fully amortized
Loan amounts from 100K-5MM
No income verification
You don’t need to be a professional investor to qualify for our loans. We don’t require Tax Returns and we accept credit scores as low as 640.
Get underwriter approval in 48 hours and your deal funded in 15 days.
We offer some of the highest loan to values in the industry. We’ll even fund 100% of your rehab costs!
Closings within 15 business days. Don't waste another day. Call a loan guy now!
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