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9465 Counselors Way Suite #200, Indianapolis, IN 46240

Vacation Rental Property Financing

Vacation rental property investing is trending.

What factors are driving this sector now? What financing options for vacation rentals are there?

The premium rents and returns that short-term rentals like vacation properties can deliver are drawing more and more investors. Income property investors are realizing that they can often get 2-4x the monthly rent by offering Airbnb style accommodations. By avoiding the traditional long term lease these investors are also able to avoid much of the risk normally associated with being a landlord, and stay poised to capitalize on rate increase opportunities. townhomes

According to Turnkey Vacation Rentals rising vacation rental markets are:

  • San Diego, CA
  • Park City, UT
  • Port Aransas, TX
  • Nashville, TN
  • Lake Tahoe, CA

Vacation rental industry trends growing in 2019 include; the importance of online reviews, VR video marketing, experiences to augment rental stays, phone bookings, and extended stays for the growing number of full time travelers. These are all helping the vacation rental industry grow as an asset class, with a wide variety of additional income streams.

Fortunately, as the demand for vacation rental investments has risen, so has the availability of rental property financing. In fact, it still appears easier to obtain financing for a vacation rental than a primary residence or second home.

Acquisition financing is available in the form of single property loans for Vrbo & Airbnb and for portfolios of single unit rental property loans or multifamily lending and even apartment building loans. New No Ratio DSCR loans can be ideal for investors in this space who are repositioning existing property into vacation rental property loans without having to qualify on personal income, or income produced by the property.

Investors with existing portfolios of vacation rentals may utilize blanket mortgage loans for equity release to recapitalize and expand into new destinations. Stated income loan options are available, with up to 75% LTVs, on non-owner occupied single family homes, condos, apartment buildings, and mixed use properties.

Leveraging existing equity via cash out refinances or blanket mortgage loans investors are also able to capitalize on the trend of building their own vacation rentals, including single family homes, fourplexes, and apartments.


Rental Home Financing provides Vacation Rental Property Financing and we are looking for qualified borrowers looking to grow rental portfolios.  We can be used for Purchase, Term Refinance or Cash out.

Rate range are 6.5% and up!


  • 3/1 ARM – NO Balloon
  • 5/1 ARM
  • 10/1 ARM
  • 30 year fixed - Fully amortizing
  • Interest Only Options
  • NO Limits on number in your portfolio
  • Up to 85% LTV (Purchase)

NO Tax Returns Required Year Amortization - Interest Only Available

  • PPP -Declining 3% - 2% - 1% of outstanding balance
  • Upfront fee - Appraisal only - (Paid to vendor directly)
  • Ability to use your own title company
  • Rapid Closing times (~3 weeks)
  • Title held into an LLC or personal name
  • Origination - 1- 3% of loan amount (paid at closing)
  • 3 - 6 months PITI cash reserves are required

Less Paperwork - No Income Verification Requirements

  • No W2's Required
  • No tax returns Necessary
  • No 4506's
  • 600 credit minimum
  • Past bankruptcy OK – Greater than 3 years
  • Low Seasoning for today's value
  • LTVs up to 75% of the value today
  • No current home ownership is required


Rental Home Financing Investment Loans


Short Term Vacation Rental Financing can be used for:

Read 4831 times Last modified on Friday, 24 June 2022 02:52

Rental Home Financing
9465 Counselors Way
Suite #200,
Indianapolis, IN 46240


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CALL TODAY: 888-375-7977

About Rental Home Financing:

Rental Home Financing, as the best mortgage lenders we originate rental home loan products and cash out refinance investment property loans as the best investment property refinance lenders. Commercial blanket loans are available with a commercial purpose to suit your needs.

Also, as DSCR loan specialists, we are currently authorized to make such loans in most all areas of the United States. Specific circumstances will determine whether we have the ability approve/close portfolio rental home loans in your state(s). When you are ready to get a mortgage for rental property, we are ready to serve you.

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