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INVESTMENT PROPERTY FINANCING
Financing for investment properties meant for short-term, vacation, Airbnb or VRBO rental in Florida and other U.S. markets.
Short-term rental properties can often be financed, but not every property qualifies. Eligibility depends on the property, its location, local rental rules, HOA or condo rules, the loan program and the lender.
Before financing, the lender and you should check:
DSCR stands for Debt Service Coverage Ratio: it compares the property's rental income to its monthly payment. Some DSCR programs may accept short-term rental income, using past booking history or a market rent estimate. Not every Airbnb or VRBO property automatically qualifies.
International investors living outside the U.S. may be able to finance a short-term rental through Foreign National or DSCR programs, where eligible. Foreign National financing does not necessarily require you to live in the U.S. Documentation, down payment and other requirements vary by lender and program.
Many investors prefer to hold rental property in an LLC (a U.S. company). Some investment programs allow LLC ownership, often with a personal guarantee. Talk with a tax or legal advisor about whether an LLC makes sense for you.
A condo can work as a short-term rental only if the association allows it. Buildings with hotel-style rental programs may be treated as condotels, which fewer lenders finance.
Often, yes, through investment programs such as DSCR, if the property, location and rental rules allow it. Requirements vary by lender and program.
It may be possible through Foreign National or DSCR programs where eligible. Down payment and documentation rules vary by lender.
Some investment programs allow LLC ownership, often with a personal guarantee. It depends on the lender and program.
Some programs may use a market rent estimate or booking history. Others only use long-term rent estimates. Check with us before you rely on projected income.
Yes. If the HOA or condo association limits short-term rentals, the property may not work for that use, and it can affect financing.
Only if the building allows it. Check the association's rules before you buy.
Requirements vary by lender and loan program. This page is general information, not a loan offer or approval.
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