Long-term loans for short-term rentals, with debt coverage calculated from 12 months of actual nightly revenue instead of a long-term lease comp that ignores how the property really operates.
Short-term rentals break conventional underwriting. A cabin that grosses well through a strong season looks unremarkable when a lender values it against long-term rent comps in the same zip code. The income is real; the measuring stick is wrong.
Our short-term rental program uses the property's actual performance. Twelve months of nightly revenue, from your platform statements or the property's operating history, feeds the coverage calculation. Properties that genuinely perform get credit for it.
This is long-term debt, not a bridge. The goal is to finance a producing short-term rental the way you'd finance any other income property, on terms you can hold.
A property with twelve months of nightly revenue and the statements to prove it.
Acquiring a rental that already operates well, using its history rather than a rent comp.
You bought and furnished with bridge or flip money. This is the loan that takes it out.
| Property types | Non-owner-occupied residential operating as a short-term rental |
|---|---|
| Income used | 12 months of actual short-term rental revenue |
| Platforms | Airbnb, VRBO, and comparable booking platforms |
| Loan purpose | Purchase, rate-and-term refinance, or cash-out refinance |
| Vesting | Commonly held in an LLC |
| Pricing | Quoted per deal — ask for current terms |
Program parameters and pricing are set per deal and subject to change. Send us the property and we will put real terms in writing rather than quoting a range that moves.
Twelve months of platform statements or operating records, plus the property details.
We measure actual revenue against the proposed payment, taxes, insurance, and HOA.
Conditions listed up front, including what documentation the file still needs.
Long-term financing in place, with your operating systems untouched.
Every funded borrower gets a seat in the Borrowers Circle: in-person masterminds, monthly AI workshops, the December couples retreat, and the Education Vault — 200+ hours of training, models, and templates. No membership fee, no application, and none of it priced into your rate.
Yes. Coverage is calculated from the property's actual short-term rental revenue over the past twelve months rather than from a long-term lease comparison.
Send what you have and we'll tell you where it lands. Shorter histories may need a different structure, and in some cases bridge financing while you build a track record is the cleaner path.
Yes. Statements from the major booking platforms are acceptable documentation. What matters is that the revenue is verifiable and reconciles to deposits.
Financing is secured by the real property. Furnishing costs are typically handled separately, which is one reason investors buy and furnish with short-term debt and then refinance into this program.
It can. Permit status and local ordinances are part of the risk picture, because they determine whether the property can continue to generate the income the loan is based on.
Yes, if the property's revenue supports the new payment. Cash-out refinances on performing short-term rentals are common, particularly after a strong season.
Quotes come from people who invest for a living, not a call center. If the deal doesn't work, we'll tell you that too.