Our short term rental mortgage products are specifically designed for professional investors in vacation rental financing. Buying a vacation home has turned into a business, and we are your vacation rental lender ready to help you scale.
Ramp up your inventory with our innovative 5, 7, and 30 year fixed products that work using up to 80% of the property value. With traditional bank financing still figuring out how to model short-term rental cash flow, we have taken the lead in this space with options far better than a conventional loan.
No W-2s or Tax Returns
We qualify your vacation rental on property cash flow, not your personal income. No 4506s, no W-2s, no employer verification.
Up to 80% LTV
Finance up to 80% of the property value on vacation rental purchases and refinances. More leverage than most conventional lenders offer.
3, 5, 7, or 30-Year Fixed
Choose the term that fits your strategy. ARM and fixed-rate options with 30-year amortization and no balloon payments.
Close in ~3 Weeks
Asset-based underwriting and minimal documentation mean rapid closings. Move fast on the right vacation rental deal.
Benefits of Vacation Rental Financing
If you are considering getting into the vacation home rental market, it is important to explore all your financing options to find the best deal for your needs. Vacation rental properties are on the rise for investors, and we are here to protect your real estate investment with specialized loan products.
Use Home Equity
Use the equity in your home to finance the purchase of a vacation rental unit and start generating income immediately.
No W2 Required
Purchase a short term rental loan without traditional income documentation. No tax returns, no W2s, no 4506s ever.
Retirement Income
Use your vacation home as a source of retirement income while enjoying free rent at your favorite destination.
Get Paid to Vacation
Own a property that pays for itself. Rent it out when you are not using it and enjoy free stays when you vacation.
Lower Rates
Our vacation rental loans come with competitive interest rates and more flexible repayment terms than conventional mortgages.
Cover All Expenses
Financing can cover renovations, property taxes, and any expenses associated with running a short-term rental business.
We specialize in loans for vacation rentals with lower interest rates and more flexible terms than conventional mortgages. Getting your real estate investment started with a vacation property has never been easier. When you are ready to expand using your current property, we have the best cash out refinance for investment property.
Common Sense Underwriting for Airbnb & Vrbo Mortgages
Property-Based Lending Up to 80% LTV
Up to 80% of as-is value is based upon a fair market appraisal from one of our approved AMC (Appraisal Management Companies). Most areas of the USA will be considered. Rural properties are tough, but in the right locations near attractions, this is a goldmine.
A vacation property is easy and fast to underwrite. If you are thinking of a vacation home in addition to your primary residence and have the down payment, you should consider becoming a vacation rental owner.
The vacation rental market is booming. Call today: 888-375-7977
Increase Rental Revenue with Vacation Rentals
Easy to Qualify, Fast to Close
With our easy to qualify and fast loans, your rental revenue is about to climb. Your property can be vacant without a long term lease that would historically be required to support traditional .75x DSCR (Debt-Service-Cost-Ratio) or 85-90% property-based DTI (Debt-to-Income) requirements. With a No Ratio DSCR loan, financing is easy. Check your property's numbers with our DSCR calculator to see how vacation rental income stacks up against the debt service.
We do not ask for tax returns or W-2s. With a no debt to income ratio, you can join other vacation rental owners. We could also do a cash out refinance when you are ready to grow. Pricing variables are based on zipcode, LTV, credit score, loan size, number of units, and loan purpose. For multifamily short term rentals, check out our multifamily section.
Own a vacation property that pays for itself — rent it when you are not there.
Finance Your Next Vacation Rental Today
No W-2s, no tax returns, no personal DTI requirements. Up to 80% LTV with competitive rates for Airbnb and Vrbo properties.
Vacation Rental Loan Programs
Vacation Rental Financing
Short Term Rental Loans
- 3/1 – 5/1 – 10/1 ARM — NO Balloon Payments EVER
- 30 year fixed — Fully amortizing
- Interest Only Options Available
- NO limits on number in your portfolio
- Airbnb & VRBO friendly loan
- A vacation home that pays for itself
30 Year Amortization
Full Term Interest Only Available
- PPP — Declining Options Available
- Upfront fee — Appraisal only (paid to vendor directly)
- Use your own title company (national underwriter required)
- Rapid closing times (~3 weeks)
- Title held in LLC or personal name
- Lender fees 1.0 - 2.0% of loan amount (paid at closing)
- 6-12 months PITIA cash reserves required
Less Paperwork
No Income Verification Required
- No W2s required
- No tax returns necessary
- No 4506s ever
- 650 credit minimum
- Past bankruptcy OK — greater than 2 years
- Low seasoning for today's value
- LTVs up to 80% of the value today
- No current home ownership required
Rental Property Loan Purposes
Short Term Vacation Rental Loans Can Be Used For
- Vacation rentals
- Single family properties (1-4 unit)
- New acquisitions
- Cash out refinances
- Non-owner occupied properties
- High end luxury housing
There are a few reasons why you should use RentalHomeFinancing.com for your short term rental mortgage products. We offer some of the best rates in the industry, and our loans are designed specifically for vacation rental investment property. We also have a team of experienced professionals who are ready to help you get the financing you need to grow your rental business. Call today at 888-375-7977 for a quick response.
Top 10 Reasons to Choose a Vacation Rental Mortgage
Vacation rental investment properties are a great investment with strong appreciation potential.
You can use them to generate income year-round from short and long term guests.
They are perfect for family vacations or large groups looking for more space than a hotel.
Owning a vacation rental can be cheaper than staying in a hotel over the long run.
You have complete control over the decor, amenities, and guest experience in your rental.
You can use your vacation home rental as a tax write-off for eligible expenses.
You can rent out your property to other travelers when you are not using it yourself.
Vacation rental properties appreciate in value over time, building long-term wealth.
You will have plenty of options for choosing a vacation rental loan that fits your goals.
They are better than expensive hotels and resorts because your rent is effectively paid for by guests.
Vacation Rental Loan Quick Checklist
- Up to 80% LTV on vacation rental purchases and refinances
- No W-2s, no tax returns, no 4506s required
- 650 minimum credit score — past bankruptcy OK (2+ years discharged)
- 3/1 ARM, 5/1 ARM, or 30-year fixed rate options available
- Airbnb, Vrbo, and other vacation rental platforms accepted
- No DSCR ratio required with our No-Ratio program
- Title held in LLC or personal name — your choice
- 6–12 months PITIA cash reserves at closing
We Have Deep Pockets for Your Vacation Rental Portfolio
If you are thinking about buying a vacation property and using it as a rental instead of staying in a hotel, vacation rental investment properties are a great investment because you can use them to generate income year-round. Have you found an apartment building near the seaside and need a lender with deep pockets? We have you covered with apartment building loans for condos, quadplexes, and duplexes.
Ready to Grow Your Vacation Rental Business?
Give us a call today to learn more about our products and how we can help you grow your vacation rental business. Short term rental mortgage products are designed for your short-term rental portfolio needs. Refinancing investment property is just as easy and can be used to expand your portfolio.