Short-term rental lending is DSCR lending with a different income input. Instead of a twelve-month lease, the lender underwrites projected or historical nightly revenue, which makes documentation and market selection matter far more than they do on a standard rental.
A standard landlord policy usually will not cover nightly rental. Line up the right insurance early, it surfaces late in underwriting and delays closings.
Send us the scenario and we will tell you honestly whether it works, and which lender is the right home for it.
Buying the next one. Which program fits, how much you put down, and how fast you can close.
Qualify on your rental property's income, not your tax returns or W-2s.
Short-term bridge financing for non-owner-occupied renovation projects.
Multifamily, mixed-use, office, retail, and industrial investment property loans.
One loan across multiple doors. Consolidate a rental portfolio into a single closing and payment.
Twelve or twenty-four months of deposits qualify self-employed borrowers.
Replace your existing loan with better terms. No cash out, better pricing.
Pull equity out of an investment property to fund your next acquisition.
Asset-based lending when speed matters more than conventional timelines.
Acquisition financing for raw land, entitled lots, land banking, and agricultural acreage.
Build new from the dirt up. Terms for first-time investors and seasoned builders.
Apartment buildings with 5 or more units, value-add or stabilized.
Purchase, refinance, expand or build for your church or ministry.
Invest in U.S. property without a Social Security number or U.S. credit.