Your Favorite Lenders

Short Term Rental Loans

Short Term Rental Loans at Your Favorite Lenders

Our Short Term Rental Loans Are Low & Our Process is Quick & Painless

Good news for investors! At Your Favorite Lenders, you can secure financing for short term rental properties with competitive rates and flexible terms. Our loan programs are designed to help you enter and succeed in the short term rental market.


Key Features of Short Term Rental Loans


  • Low Down Payments: A minimum 15% down payment is required to purchase your first short term rental property. For additional properties, a 20% down payment is needed. This makes it easier to get started in the short term rental market without a large initial investment.


  • Flexible Financing Options: Finance your short term rental using a home equity line of credit (HELOC) or cash-out refinance from your primary home. HELOCs can be obtained for up to 80% of your current home’s value, allowing you to leverage the equity in your home to fund your investment. These flexible options provide the financial tools you need to grow your portfolio.


  • Expert Guidance: Our team provides expert knowledge and personalized advice to help you navigate the complexities of short term rental financing. Benefit from our extensive experience and dedicated support throughout the financing process.


This is how you qualify for a Short Term Rental Loan.


  • Credit Score: A minimum of 680 is required to ensure you have a strong credit history. A higher credit score can also help you secure better loan terms and interest rates.


  • Debt to Income Ratio: Your ratio must be below 50%, ensuring a manageable level of debt relative to your income. This demonstrates your financial stability and ability to manage loan repayments.


  • Down Payment: A 15% down payment is required for your first property, and 20% for additional properties. This initial investment helps secure your loan and demonstrates your commitment to the investment.


  • Reserves: You need 6 to 12 months of reserves in the bank after the down payment, providing a financial cushion for unexpected expenses. This ensures you have the financial stability to manage your property effectively.


To qualify for a short term rental loan, ensure you have a credit score of at least 680, a debt to income ratio below 50%, a down payment of 15-20%, and 6-12 months of reserves in the bank after the down payment. Our short term rental loans provide the financial support you need to succeed in the rental market.


A large white house with a black roof and a large lawn in front of it.
A family is sitting on a couch together and smiling.

The Short Term Rental Loan Process

Here’s how our home loan process works:

  1. Complete our simple Short Term Rental Mortgage Qualifier
  2. Receive options based on your unique criteria and scenario
  3. Compare mortgage interest rates and terms
  4. Choose the offer that best fits your needs
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