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Qualify with short term rental income, not yours — then float in the pool while the rent rolls in
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Future-proof your rate with a free refi*
Close any loan with us and 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 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.
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.