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Pump up your passive income with STR loans

Apply in less than 10 minutes
More loan types
Get loan options fast
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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

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.

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

Dream team!

Chelsea and Jamie were a dream team- who made the process easy. Any time I didn’t understand something a quick email, text, or call and I would have an answer. This is my second time working with Chelsea and I want to keep her, and now Jamie, as my go to team for purchasing or refinancing investment properties. Thanks!

DeidraColumbia, SC

Great experience

Great experience throughout the loan process.

JulieAkron, OH

10 stars!

I have used their service twice. If I could provide 10 stars, I would! Both experiences have been great!

MikalMontgomery, AL
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.
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Not sure?

Chat to a Loan Guide about the shortest path to your STR loan.

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