Pump up your passive income with STR loans

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Rated 4.8 out of 5 on Google

Trusted, rated, loved

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

Clear, efficient and supportive

The process was clear, efficient and supportive. The Team got it done when others couldn't.

LawrenceDetroit, MI

Smooth and fast!

Abi was super knowledgeable, kept me in the loop daily, and made my loan process super smooth and fast. Thank you!

PriceFolly Beach, SC

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

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Close now and your next refi is free.*

Get the best of both worlds. A 10-minute application and speedy closing now — and the peace of mind knowing you’ve got a free refi* when rates drop in future.

*Terms and conditions here
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 640 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.
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Watch the shortest path to your new home

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