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DSCR & Short-Term Rental Loans
Financing Tailored for Investment & Vacation Properties
Our DSCR & Short-Term Rental Loan program is designed for investors who want to qualify based on property income — with extra flexibility for short-term rentals like Airbnb, VRBO, and condotels. Whether purchasing, refinancing, or doing delayed financing, you can leverage property cash flow for approval instead of personal income. This program also supports foreign nationals and offers high LTV options for qualified buyers.
FAQs
Do I need to meet a specific DSCR?
No — we offer qualification options for DSCR ratios under 1.0.
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Can short-term rentals qualify?
Yes — Airbnb, VRBO, and condotel properties are eligible.
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What’s the maximum loan amount?
Up to $3 million, depending on program parameters.
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Is the program open to foreign nationals?
Yes — foreign national borrowers are welcome.
Why This Program Works for Short-Term Rental Investors
Short-term rentals often have fluctuating income patterns that don’t align with conventional lending requirements. This program uses realistic property cash flow metrics, giving investors more flexibility to secure funding for high-demand vacation rental markets.
Program Highlights:
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DSCR < 1.0 options available
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Loan amounts up to $3M (program specific)
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Up to 85% LTV (min. 720 FICO, purchase only)
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Airbnb, VRBO, and condotels allowed
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Available for purchase, cash-out refinance, and delayed financing
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Available to foreign nationals