Short Term Rental Loans
Financing Your Airbnb, VRBO, and Vacation Property Investments
Short Term Rental Loans
Financing for Airbnb's, VRBO's, and Vacation Homes
Unlock the Potential of Your Cash-Flowing Rental Properties
At Montgomery Lending, our Short-Term Rental (STR) loans offer a tailored and industry-leading solution for investors targeting cash-flowing investment properties like Airbnb's, VRBO's, and traditional vacation homes. Whether you are buying a new property to add to your portfolio or looking to cash out equity from your existing capital through a refinance, we have a loan designed specifically for your needs.
As leaders in short-term rental financing, we provide flexible and ultra-competitive terms to get your deals done efficiently. Our solutions cater to a wide spectrum of investors, from first-time individuals dipping their toes into the STR market to industry veterans seeking to rapidly expand their portfolios. We are confident we can find you a great loan through a quick, efficient, and easy process.
Program Highlights & Loan Parameters
PROPERTY TYPES
- Non-Owner Occupied
- 1-4 Family Real Estate
- Condos
- Townhomes
LTV (Loan-to-Value)
- **Purchase:** Up to 80% of the Purchase Price
- **Refinance:** Up to 80% of the As-Is Value
- **Cash-Out:** Up to 75% of the As-Is Value
LOAN AMOUNT
Capital available from **$100K – $2M**, supporting a wide range of STR investments.
DEBT SERVICE COVERAGE RATIO (DSCR)
A flexible **0.75** DSCR is acceptable, considering the unique cash flow patterns of short-term rentals.
PROPERTY VALUE
"As Is" Appraised Value Must Be **$100k or Greater**.
AMORTIZATION OPTIONS
Choose from **30-Year Fixed & Interest-Only Options Available**, providing stability and cash flow optimization.
MINIMUM FICO
An accessible **Minimum Credit Score requirement of 660**.
EXPERIENCE
**No experience needed** – welcoming both first-time and seasoned STR investors.
GUIDE / Income Projection Tool
We leverage tools like **AirDNA** to help project rental income, providing a data-driven approach to qualification.
Who This Loan Is For
Our Short-Term Rental Loans are ideal for:
- Investors looking to purchase or refinance properties specifically for short-term rental use (Airbnb, VRBO, vacation homes).
- First-time real estate investors eager to enter the lucrative STR market.
- Experienced investors seeking to expand their existing short-term rental portfolios.
- Borrowers who value flexible underwriting based on property performance rather than extensive personal income documentation.
- Those aiming for high cash flow potential and an efficient path to investment.
Why Choose Montgomery Lending for Your Short-Term Rentals?
We are committed to providing strategic financing solutions that meet the dynamic needs of the short-term rental market.
- **Specialized Expertise:** Deep understanding of the short-term rental landscape.
- **Ultra-Competitive Terms:** Flexible options designed to maximize your STR returns.
- **Rapid Process:** Quick approvals and funding to seize time-sensitive opportunities.
- **Comprehensive Support:** Guidance through the unique aspects of STR financing and income projection.
- **Free Appraisal Options:** Ask us about our current offers to save on closing costs!
Ready to Invest in Your Next Short-Term Rental?
Contact Montgomery Lending today to discuss your Airbnb, VRBO, or vacation home project and secure the financing solution that helps you achieve your investment goals.
Apply for Short Term Rental FinancingOr call us at (574) 276-4611 for a free consultation.
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