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Short Term Vacation Rental Financing - Why Now is the Perfect Time

Importance of Financing Short Term Vacation Rentals Now

Short Term Vacation Rental FinancingShort Term Vacation Rental Financing

As we all know, the real estate industry is constantly changing and evolving. We are seeing massive growth in financing the vacation rental business. What was popular 10 years ago may not be so popular today. The short term vacation rental financing market is growing! Now is the perfect time to invest.

The rise of online marketplaces (like Airbnb, VBRO) has helped make it easy for property owners and investors to find utility in their existing real estate assets. This has given birth to a new industry known as short-term vacation rentals (STVR).

Key Points Overview:

  • STR Vacation Home Investments

The popularity has been growing for income generation and provides owners with a home to take a vacation without extra costs.

  • Growing Market

As individuals learn that they can become their own financial institutions as an investor, the market is growing.

  • More Options for Investors

New DSCR loans are now available for investors that provide more than conventional mortgages that use debt-to-income ratio programs.

  •  AirBnB Rentals are in High Demand

Investors are replacing second mortgages with high-demand vacation rental loans because of high occupancy rates and rental revenue.

  • Post-Confinement and New DSCR Loans are Driving the Rental Vacation Home Market

People are looking for a break now that things have calmed down but the new loans available for investors are also driving the market. Websites are popping up to help the market grow that allow people to keep occupancy rates up high.

  • New Investors are Following Seasoned Real Estate Investors

Seasoned investors are moving from long-term rentals to short-term rentals and new investors are paying attention.

Short Term Rental Property as a Vacation Rental Home

STVRs have become increasingly popular over the past few years for a number of reasons. First and foremost, they offer property owners a way to generate income from their investment properties. Secondly, it lets you turn your vacation home into a vacation rental property.

New short-term rental loans using creative financing for vacation rental property is on the rise. In addition, STVRs provide investors with an opportunity to get involved in the real estate market without having to purchase a property outright. And finally, STVRs offer guests a unique and affordable alternative to traditional hotels and lodging options.

Vacation Rental Market is Growing

The benefits of investing in STVRs property are numerous, so the market is expanding. Individuals are becoming financial institutions as vacation rental businesses. We are accommodating this demand for vacation rental investment properties.

The most important thing for potential investors to keep in mind is that the STVR market is still relatively new and growing rapidly. Additionally, STVRs can be heavily regulated by local governments, so it’s important to do your research before investing. Mortgage refinance companies like us are here to help your profits grow.

Vacation Rental Properties Have More Options

Despite the risks, we believe that now is a great time to invest in STVRs. The industry is growing at an incredible rate. Vacation rental properties qualify for something other than a conventional mortgage using a debt-to-income ratio program. As an investment property, you can get a short-term rental loan with common sense underwriting for an Airbnb property. As a vacation home, it only makes sense to turn it into a short-term rental property.

Airbnb Rentals are Hot

Those who have done due diligence on their primary residence know if they are not using the property then you perhaps use it for extra money or a stable income that produces more revenue with a steady monthly income.

Instead of a second mortgage on their primary home, they are going for the high-demand vacation rental market. Occupancy rates are high turning rental revenue into a cash flow machine. Maintenance costs are low with the right property manager taking care of your short-term rentals.

A second home is now financing itself without needing conventional mortgages. You can get a loan with flexible options for a vacation rental loan for short-term rents. New rental financing on a new property or even ones already holding occupancy rates can get you the financing to purchase that income home. At Rental Home Financing, we see the growth in short-term rentals so we want to provide you with that short-term rental loan.

Short Term Rental Property Financing Growth Sources

What is making short-term rental properties so attractive? What is driving the short-term rental market? We know that after being confined for a while, many decided to take life on the road but something bigger is pushing rental property into short-term rentals besides the new short-term rental property loans out there.

Yes, the secret got out that a conventional loan for long-term rental property is the wrong way to go but even with good mortgage payments for your investment property and high rates, people are still focusing on short-term rentals.

Many people are getting a clear picture that many cities can provide an income with flexible options without even needing to show tax returns. As the short-term vacation rental industry continues to grow, more and more companies are entering the market. We also provide growth sources as mortgage refinance companies like us are the heart of growing a portfolio. 


Here are a few of the most notable competitors to Airbnb:

1. HomeStay is one of the largest online marketplaces for vacation rentals. They offer properties in over 190 countries and have over 2 million listings.

2. TripAdvisor - TripAdvisor is best known for its hotel reviews, but they also offer a vacation rental marketplace. Their platform includes over 7 million listings in 190 countries.

3. VRBO (Vacation Rentals by Owner) is another large online marketplace for vacation rentals. They offer over 2 million listings in 190 countries.

4. FlipKey - FlipKey is a vacation rental platform that is owned by TripAdvisor. They offer over 300,000 rentals in over 11,000 cities worldwide.

5. Wimdu - Wimdu is a vacation rental platform that offers properties in over 100 countries. They have a wide variety of listings, from apartments to castles.


These are just a few of the many companies that are competing with Airbnb rental in the vacation rental market. As the industry continues to grow, we expect to see even more players enter the space such as Google.

Short-Term Rentals for Vacation Property Still Growing

The growth of the short-term rental market can be attributed to a number of factors. First and foremost, the industry is growing due to the increasing popularity of STVRs among guests.

In addition, the growth of online short-term rental marketplaces has made it easy for property owners and investors to find utility in their existing real estate assets.

And finally, the industry is being driven by a new generation of entrepreneurs who are looking for innovative ways to break into the real estate market.

As the industry continues to grow, we expect to see even more players enter the space such as Google. Additionally, we expect to see the government begin to regulate the industry more closely in order to protect both property owners and guests.

We believe that now is a great time to invest in STVRs. With the right research and due diligence, investors can find incredible opportunities in this burgeoning market.

Seasoned Real Estate Investors in Short Term Vacation Rental Financing

If you are already an investment property owner and a seasoned investor in the Airbnb rental markets, you already know the monthly income possible vs that of a long-term rental. We do too so we are able to provide loan financing for your rental loans.

You already have a property management company taking care of your investment properties but want more revenue, so a short-term rental financing a loan on your purchase for a vacation rental property is obviously your next step.

Seasoned investors moving from long-term rentals to short-term rentals with our financing options can get a hard money loan from us on a larger commercial scale if you desire. If you have the larger down payment and are ready to discuss fixed interest rates for your new short-term rental, we have the hard money loan you have been looking for with financing options better than conventional loans.

Are You Ready to Invest in Short-Term Rentals

You have a clear picture, you already know personal income is not a requirement for our hard money loans, you just want in on the short-term rental game with the right loan. Well, we are here to help you with those short-term rental loans.

As a savvy investor, you know that the short-term rental market is booming and only expected to continue growing. You may also be aware of the many online marketplaces available for finding vacation rentals. Contact us Today or APPLY NOW ONLINE!

We are Your Short Term Vacation Rental Financing Lender

If you're looking to get into the STVR market, we at Rental Home Financing are here to help you every step of the way. We offer a variety of financing options for those looking to invest in vacation rentals, including hard money loans and more traditional financing options.

We understand that each investor's needs are different, so we work with you to tailor a financing package that meets your specific needs and goals. We also know that the process of finding and financing a vacation rental can be daunting, so we're here to help you every step of the way.

Whether you're a seasoned investor or just getting started, we have the experience and knowledge to help you find the perfect vacation rental property and get the financing you need to make your investment a success.


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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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