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Rental Home Financing

Short TermVACATION RENTAL Financing.

Short Term Rental Mortgage for Vacation Rental Financing

Short Term Rental Mortgage Products for Vacation Rental Financing

Short Term Rental Mortgage for Vacation Rental Financing

Our newest short term rental mortgage product offering is specifically geared toward the professional investor in vacation investment rental financing. Buying a vacation home has now turned into a business.

Ramp up your inventory in short term vacation home rental investment properties with our new short term rental loans. An easy way we can start as a real estate investors is to start with a vacation rental property. We are your vacation rental lender.

With traditional bank financing still trying to figure out how to model cash flow, we have taken the lead in this space with our innovative 5 - 7- 30 year fixed products that work using up to 75% of the value of the Vrbo rental unit. We have options way better than a conventional loan.

Vacation rental loans are a great way to get the most out of your investment.

If you are considering getting into the vacation home rental market, it is important to explore all your financing options in order to find the best deal for your needs. Vacation house rental financing can be a great way to make your investment work for you with an investment property loan. Vacation rental properties are on the rise for investors. We are here to protect your real estate investment.


benefits to vacation rental financingThere are many benefits to vacation rental financing

-You can use the equity in your home to finance the purchase of a vacation rental unit.

-A short term rental loan can be purchased with no W2.

-Use your vacation home as retirement income.

-Get paid to have a place to take a vacation.

-Free rent at your favorite vacation home when you vacation away from your primary residence.

-Vacation rental financing can be used to cover the cost of renovations, property taxes, and any other expenses associated with running a short-term rental business.


We specialize in loans for vacation rentals that come with lower interest rates and more flexible repayment terms than conventional mortgages and no W2 required. Getting your real estate investment started with a vacation property has never been easier and more profitable.

Let's get you started like other real estate investors with rental property today. When you want to expand using your current property, we have the best cash out refinance for investment property.

Common sense underwriting for the Airbnb or Vrbo property mortgages

underwriting loans fastUp to 75% of as-is value is based upon a fair market appraisal from one of our approved AMC (Appraisal Management Companies).

Most areas of the USA will be considered. Rural properties are tough but in the right locations near attractions, this is a goldmine. A vacation property is easy and fast to underwrite for a vacation home as vacation rental owners.

If you are thinking of a vacation home in addition to your primary residence and think you have the down payment, you should consider being vacation rental owners for your vacation home.

Act now - the vacation rental market is booming. CALL TODAY: 888-375-7977


Increase Rental Revenue with Vacation Rentals

Increase Rental RevenueWith our easy to qualify and fast loans, your rental revenue is about to climb. Our offers are so easy to qualify for anyone can get started with a vacation rental property.

It can be vacant without a long term lease that would historically be required to support traditional 1.2x DSCR (Debt-Service-Cost-Ratio) or 85-90% property-based DTI (Debt-to-Income) requirements. With a No Ratio DSCR loan, financing is easy.

We do not ask for tax returns or W-2's on this type of investment property. We have great short term rental mortgage advantages others can't provide. With a no debt to income ratio, you can now join the other vacation rental owners and of course we could do a cash out refinance

Pricing variables are based on Zipcode, LTV, Credit Score(s), Loan Size, Number of Units, Rate & Term & Purchase, Term Refinance or Cash out.  If you are into multifamily for your short term rental mortgage, check out our multifamily section

Rate ranges are competitive for your investment property.


  • 3/1 ARM – NO Balloon Payments EVER
  • 5/1 ARM – NO Balloon Payments EVER
  • 30 year fixed - Fully amortizing
  • NO Limits on number in your portfolio
  • Easy Fast Loan Approval
  • Grow Your Rental Income Faster
  • Airbnb & Vrbo Friendly Loan
  • A Vacation Home that Pays for Itself

30 Year Amortization - Full Term Interest Only Available

  • PPP -Declining 3% - 2% - 1% of outstanding loan balance
  • Upfront fee - Appraisal only - (Paid to vendor directly)
  • Ability to use your own title company - (National Underwriter is required)
  • Rapid Closing times (~3 weeks)
  • Title held into an LLC or personal name
  • Lender fees are 2.0 - 3.0% 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 4506s Ever
  • 640 credit minimum
  • Past bankruptcy OK – Greater than 2 years
  • Low Seasoning for today's value
  • LTVs up to 75% of the value today
  • No current home ownership is required

Rental Property Loan Purposes

Short Term Vacation Rental Loans can be used for:

There are a few reasons why you should use for your short term rental mortgage products for your vacation home.

We offer some of the best rates in the industry, and our new loans are designed specifically for vacation rental investment property. We also have a team of experienced professionals who are ready to help you get the financing you need to grow your rental business. Call Today at 888-375-7977 for a quick response.

Top 10 reasons why you should use a short term vacation rental mortgage

1. Vacation rental investment properties are a great investment
2. You can use them to generate income year-round
3. They're perfect for family vacations or large groups
4. Owning a vacation rental investment property can be cheaper than staying in a hotel
5. You have complete control over the decor and amenities in your rental
6. You can use your vacation home rental as a tax write-off
7. You can rent out your property to other travelers when you're not using it
8. Vacation rental businesses appreciate in value over time
9. You'll have plenty of options when it comes to choosing a vacation rental loan.
10. They are better than expensive hotels and resorts because your rent is paid for.

We Have the Bigger Pockets!

If you're thinking about taking a vacation soon, why not buy a vacation property and use it as a rental instead of staying in a hotel? Vacation rental investment properties are a great investment because you can use them to generate income. Have you found an apartment building near the seaside and need a hard money lender with deep pockets? We got you covered with apartment building loans for codos, quadplex, and duplexes. 

Give us a call today to learn more about our products and how we can help you grow your vacation rental business. Short term rental mortgage products are our gift for your short-term rental portfolio needs.  Refinancing investment property is just as easy, you can use it to expand your portfolio.


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Rental Home Financing Investment Loans

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


Fast Online Loan Application
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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.