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Investor Financing

Property Investors Can Build Their Portfolios Faster With Our Investor Cash Flow Program.

I can help you become a real estate investor or grow your existing portfolio. It's easier than you think.

  • Available for rental properties up to 4-Units and for Short Term Rentals
  • Up to 85% LTV
  • Credit scores starting at 680
  • Qualification based on property cash flow
  • No personal income / no employment needed
  • 30-year interest-only available
  • Borrower must own primary residency
  • Non-permanent residents allowed
  • Gift funds allowed
  • Loans up to $3 million, $100K minimum
  • No limit on total number of properties
  • Purchase and cash-out or rate-term refinance
  • Properties can be in LLC’s name
  • Condotels now available
  • Delayed financing available
  • No minimum DSCR available

* DSCR – Debt Service Coverage Ratio: Rent / Mortgage 

Airbnb Mortgages

Everything You Need to Know About Financing Short-Term Rentals

Airbnb and short-term rentals (STRs) have emerged as profitable ventures, capturing the attention of investors seeking reliable financial returns. However, obtaining financing tailored specifically for short-term rentals—often called Airbnb mortgages—isn’t always straightforward.

Key Considerations for Airbnb Mortgages

1. Understanding STR DSCR Loans
Debt Service Coverage Ratio (DSCR) loans have revolutionized Airbnb investing. Specifically, DSCR & STR DSCR loans allow you to qualify based purely on projected rental income figures from platforms like AirDNA. Unlike traditional loans, there are no occupancy percentage requirements, no market “haircuts,” and no minimum market scores required. This flexibility significantly benefits investors entering the STR market. Truly unique in the marketplace. Normally there is a occupancy requirement from AirDnA, a specific market score which both are hard to achieve given the data on the platform may not be accurate.

2. No Prepayment Penalties
Many investors overlook prepayment penalties. Thankfully, our Airbnb mortgages have the potential to offer no prepayment penalty options, allowing you to refinance or sell the property without incurring costly fees, granting maximum flexibility for your investment strategy.

3. Ideal for First-Time Investors
Even if you’re new to investing in short-term rentals, our program has you covered. As long as you currently own a primary residence, you don’t need prior investment property experience to qualify. This opens doors for homeowners eager to enter the Airbnb investment space without previous rental history.

4. Flexible Credit Requirements
While traditional investment loans often demand pristine credit histories, our Airbnb mortgage solution is more accommodating. With a minimum required FICO score of 680, you benefit from flexible lending standards. If you’re applying jointly, the higher credit score between applicants is used, further enhancing your chances of approval.