Underwriters who know STR
Our in-house team regularly evaluates short-term rental income and scenarios.
theLender
(949) 326-2820Airbnb and Vacation Rental Financing
Qualify on short-term rental income — documented platform revenue or market data. Purchase or refinance, direct from a lender whose underwriters work on short-term rentals.
- Buying or refinancing a short-term rental
- The property earns or will earn on Airbnb, VRBO or similar
- Qualifying on the property rather than tax returns
Check your STR scenario
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NMLS #133519 · Inc. 5000, 2022 and 2025 · Licensed in 47 states and DC · Direct lender, not a broker
How we qualify it
Gross rents ÷ PITIA = DSCR. We can use documented platform income or an appraisal-based market-rent analysis. On purchases, market data can support a property without operating history.
Why theLender
No middleman
We are the lender, not a broker. Nobody sits between you and the money or marks up your fees on the way through.
More than one way to qualify
Short-term, long-term, ADU or full-documentation income may provide a path.
Program facts
STR income eligibleMarket-rent data accepted on purchasesNo tax returns requiredLLC and entity vesting1–4 units, condos and PUDsPurchase or refinanceADU income counts
Common questions
Can I qualify without rental history?
Often yes. A purchase may use appraisal-based market-rent analysis.
Do you use Airbnb or VRBO revenue?
Documented platform income is eligible.
Must it be a full-time short-term rental?
No. Long-term, short-term and ADU income may all be eligible.
Can I hold it in an LLC?
Yes. Entity vesting is available.
What if my city restricts short-term rentals?
Local regulation matters; raise it at the start so it can be evaluated early.