Short Term Rental Loans

Accounts Receivable

With the rise of websites like AirBnB and VRBO coupled with the ability to create your own hosting site, real estate investors have a great opportunity to own vacation rental properties. Fortunately, DSCR loans can be used to purchase or refinance properties that will operate as a short term rental (STR).

As opposed to using a long term lease, you can use the following to qualify as income for a STR investment.

      • Trailing 12 months of revenue for the property validated by reports from AirbBnB/VRBO or from your professional property manager
      • Market data from a provider such as AirDNA
      • If available, market rents from a Form 1007 on the appraisal


The overall structure of DSCR loans are very similar between loans for a short term rental and a long term rental. One of the key differences is going to be the interest rate. Typically, short term rentals will have a higher interest rate than long term rentals.

Other than that, you can expect the following from short term rental loans.

      • Up to 80% LTV for Purchases
      • Up to 75% LTV for Rate and Term Refinances
      • Up to 70% LTV for Cash-Out Refinances
      • Loan terms include a 5/1 ARM and a 30-year fixed rate loan
      • Interest-Only available in select situations
      • Loan amounts starting at $100k up to $5MM
      • Flexible prepayment penalty options
      • Minimum FICO of 680



Apply for financing today

Ready to get started? Our certified financial specialists can answer your questions and recommend the best commercial finance options for your business. Contact us today to apply for funding or learn more about accounts receivable financing.

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3846 Paradise Bay Dr.
Gulf Breeze, FL 32563





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