Nightly stays. Real financing.
Short-Term Rental Loans for Real Estate Investors
Short-term rental loans help investors buy or refinance vacation and furnished rentals, including properties listed on platforms like Airbnb. We broker these loans in many states.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What to Know About Short-Term Rental Loans
Running or planning a short-term rental?
Short-term rentals earn income by the night or week. Some lenders count that income in a DSCR-style review, while others use different methods.
Lenders measure short-term income in different ways, such as booking history or an income estimate. We help match your property to a program that fits.
02 / See how it fits
Who It Helps
- Investors buying a vacation or Airbnb property
- Owners of an existing short-term rental
- Owners who want to refinance a short-term rental
- Investors adding a furnished rental
What to Have Ready
Requirements differ by lender and program. These items often come up:
- A completed loan application and credit authorization
- Property details and the listing
- Booking history or an income estimate
- Entity papers if buying in an LLC
- Proof of funds and reserves
03 / Wherever your deal is
Short-Term Rental Loans in Many States
We work with investors by phone and video, so you can book a call from wherever your property is. We can broker business purpose loans in the states below. Programs, terms, and availability depend on the lender and the state.
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Investing in Los Angeles? See Short-Term Rental Loans in Los Angeles or see where we work.
04 / A little clarity
Common Questions
Can I use a DSCR loan for a short-term rental?
Some lending partners offer DSCR loans on short-term rentals. We can tell you what is available.
Do I need booking history?
Some lenders ask for it and some use an estimate.
Do local rules matter?
Yes. Many cities and counties have their own short-term rental rules. Check them before you buy.
Can I refinance one?
Yes, many owners do.
05 / Explore your options
Other Investor Loans
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM