STR loans - qualify with short term rental income, not yours

Why go with us?

Qualify with short term rental income, not yours — then float in the pool while the rent rolls in

Tailored STR application

We don’t cram you down the normal path and ask you for personal income and W2s — so you’re done in less than 10 minutes.

Use STR income to qualify

We use DSCR loans to qualify with the STR’s income history, not your personal income and W2s. No need for leases either.

Get clarity faster

You’ll get a reliable approval and loan options in quick time, so you can work out your ROI right then and there.

Fast, stress-free closing

Your Loan Guide and Beeline Tracker make sure there’s less back and forth and you’re always in the loop.

Tailored STR application

We don’t cram you down the normal path and ask you for personal income and W2s — so you’re done in less than 10 minutes.

Use STR income to qualify

Get clarity faster

Fast, stress-free closing

Watch the shortest path to STR

If applying in 10 minutes sounds too good to be true, watch it unfold in this quick video.

Reviews

Lender love letters

Could not have been better!

I have never experienced this level of service or attention in my life! My loan guide made the process of getting a loan so easy, I felt like I had a personal assistant doing the work for me! Great rates, great customer service, every concern addressed instantly. I cannot think of any way Beeline could have made my home purchase better!

NathanielProvidence, RI

I'll be using them again

Beeline has a great team and did an amazing job getting my loan closed. I will be using them again.

DanielMelbourne, FL

Closed within 15 days!

They really stepped up when I needed them into and were able to close within 15 days! Outstanding service would definitely use them.

CaseyWillow Park, TX

My go to lender!

Working with Beeline was one of the Best experiences we've ever had with a lender for our rental properties. The communication was Stellar. I never had to wait for a response to any of my email inquiries when I had them, which was rare because Chelsea and the whole team kept us in the loop throughout the entire transaction. I highly recommend Bee Line and they will be my go to lender moving forward.

SuzanneCocoa, FL

My go to lender!

SuzanneCocoa, FL

Seize the STR opportunity

There’s no limit to the number of STRs you can own — your income won’t restrict you.

Minimum 25% down payment
Credit score of 600 and up
6 months’ reserves
Monthly rent should exceed principal + interest + insurance + taxes + HOA

In 2024, 86% of world travellers booked a short term rental (STR) and it’s expected to grow 10% by 2025.
So how do we seize this opportunity? With DSCR loans (debt service coverage ratio).
Because eligibility is based on rental income, you’re not restricted by personal income — so you can keep buying lots of properties = lots of cash flow!
For purchase, it helps if you’ve owned STRs in the area (250 miles). You’ll need at least 12 months’ history of paying a mortgage or rent too.
Refis need 12 months’ historical STR income (ideally 24) and 12 months’ projections — if not, we can use LTR income.