Get Financing for Short-Term Rentals

Explore loan options tailored to Airbnb-style income.

Rated 4.8 out of 5 on Google

Trusted, rated, loved

Closed in under 3 weeks!

Makalee and the team at Beeline were amazing. I have bought and sold 100's of properties and the service they provided was extraordinary. I needed to close the loan in under 3 weeks and Makalee came through with room to spare. The service was impeccable and the fees were very reasonable. Would highly recommend Makalee and Beeline.

DavidHendersonville, NC

3 loans done!

Good job Rob!! 3 loans done can't wait for the next one!

JaneenMaple Heights, OH

Great service!

Ethan and our processor Jamie were amazing to work with. They helped me with a DSCR for a 6 unit building. Closed within 2 months. We are now working on closing a 4 unit building together. I’ve worked with multiple lenders and can tell you, Ethan will take your calls when you have questions and keep you informed throughout the entire process. Jamie is on it! She will tell you what she needs in order to get you to the closing table, if you’re busy like me and miss something.. she will remind you and I loved that. Very persistent, and you want your processor to have this characteristic in order to have things done quickly. They have gained a loyal customer! Great service!

GenesisRockford, IL

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

paperTailored investor application
housesMore loan types
stop-watchGet clarity faster
shoeFast, stress-free closing
logo-forbeslogo-bankratelogo-money

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.
self-employed

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.