Residential Investment
Short-Term Rental Loans
Financing for Vacation and Short-Term Rental Investments.
Explore financing for qualifying vacation rentals and other short-term rental investment properties.
Business-purpose financing
In plain words
Financing for vacation rentals and other short-term rental investment properties, where the rental income used to qualify can reflect short-term rental performance.
Benefits
- Qualify with short-term rental income: a market analysis for a purchase, or your recent rental history for a refinance.
- Finance single-family homes, condos and 2 to 4 unit buildings used as short-term rentals.
- Purchase or refinance, including cash-out for business purposes.
- Ownership through an LLC is available with some programs.
Eligible property types
- Single-family homes, condos and 2 to 4 unit buildings used as short-term rentals.
- Condo hotel units in nationally recognized hotel-brand buildings, with some programs.
Financing purposes
- Purchase.
- Refinance, including cash-out for business purposes.
General qualification considerations
- For a purchase, lenders usually rely on a market rent or short-term rental income analysis.
- For a refinance, lenders may use the property's recent short-term rental history, verified by a third-party platform or property manager.
- Local rules matter. Lenders may check that short-term rentals are allowed in the state, city and county where the property is located.
- Short-term rental programs can allow less financing than long-term rental programs.
- Some programs require prior investing experience for short-term rentals.
- The property must be an investment property; you and your family cannot live in it.
Basic documentation checklist
Do not send documents through the inquiry form. After we talk, our team explains how to share them securely.
- Short-term rental income history from the booking platform or property manager (for a refinance).
- Short-term rental market analysis for the property (for a purchase).
- Purchase contract or current mortgage statement.
- Insurance information, property tax bill and any HOA or condo association details.
- Entity documents if an LLC will own the property, and photo ID.
Frequently Asked Questions
Can I use vacation rental income to qualify?
Yes, with programs that accept short-term rental income. For a purchase this is usually a market analysis; for a refinance, your recent rental history.
Do local short-term rental rules matter?
Yes. Some towns and cities restrict short-term rentals, and lenders may confirm that they are allowed where the property is located.
Can a first-time investor get a short-term rental loan?
Some programs require prior investing experience for short-term rentals. Tell us about your experience and we will review the options.
Are condo hotel units eligible?
Some programs finance condo hotel units in recognized hotel-brand buildings. Others exclude them.
Learn More
Related programs and tools to help you prepare.
Request financing for this program
Send a short inquiry with the basics about your property. Our team will review it and contact you to discuss available options.
Financing disclosure
Plan A Realty Corp. facilitates business-purpose investment and commercial real estate financing. All programs are subject to lender availability, underwriting requirements, borrower and property eligibility, and applicable laws. Submission of an inquiry does not constitute loan approval or a commitment to lend.
Investment and business-purpose properties only. Homes you or your family will live in are not part of this financing center.
Contact Plan A Realty Corp.
- Call or text 516-777-0385
- Email info@planarealty.com
- Office 461 Maple Avenue, Westbury, NY 11590