Finance Short-Term Rentals Using Short-Term Revenue.
Traditional banks don't understand Airbnb income. We do. We help investors qualify using projected short-term rental revenue instead of standard long-term leases.
Short-term rentals (STRs) like Airbnb and VRBO can generate massive cash flow.
But if you walk into a retail bank and say you want to buy an Airbnb, they'll usually ask for a long-term lease agreement or deny the file.
They don't understand the asset class. They underwrite for consistency, not optimization.
We work with lenders who understand STRs and will use projected short-term rental revenue (via tools like AirDNA) to qualify the property.
The STR Financing Advantage
- Qualify using AirDNA projections or historical STR data
- No long-term lease required
- Higher revenue projections can improve the DSCR ratio
- Options for vacation markets and urban centers
What Lenders Look For
Not every property works as an STR on paper. Lenders will look at the property's location, historical performance of similar properties, and your experience as an operator.
They also factor in higher operating expenses (cleaning, management, utilities) compared to long-term rentals.
Second Home vs. Investment
Sometimes a property can be financed as a second home with a lower down payment, provided you intend to occupy it for a portion of the year. We'll help you navigate the strict guidelines between second homes and pure investment properties to find the best leverage.
Why Peoples Choice Mortgage for Investors?
Most lenders don't understand real estate investors. They try to fit complex portfolios into basic retail boxes.
We speak your language. We understand ARV, DSCR, cap rates, seasoning, and entity structuring. We look at the property's cash flow potential, not just your personal W-2 income.
Whether it's your first rental or your fiftieth, we build the capital strategy that lets you keep scaling.
Your Bank Doesn't Understand Airbnb. We Do.
Let's review the revenue projections and get the deal funded.