Short-Term Rental Home Loans
A Short-Term Rental (STR) Home Loan is designed for real estate investors and homeowners who want to purchase or refinance properties specifically to rent out on platforms like Airbnb, Vrbo, or other vacation rental services. Unlike traditional home loans, STR loans are tailored to properties that generate rental income from short-term guests, allowing borrowers to leverage projected rental income when qualifying for financing.
These loans are ideal for those looking to build passive income streams or expand their vacation rental portfolio. Lenders typically evaluate factors like location, market demand, occupancy rates, and property management plans in addition to the borrower’s credit and financial stability.
✅ Key Advantages
Finance vacation or investment properties specifically for short-term rentals
Qualify based on property income potential, not just personal income
Build passive income and grow your real estate portfolio
Flexible terms for experienced and new investors
Potential for higher cash flow compared to traditional long-term rentals