For Short-Term Rental Investors
Finance Your Airbnb or VRBO Property
Conventional lenders don’t know how to underwrite short-term rental income. Abo Capital works with STR-specialist lenders who use actual platform revenue — Airbnb, VRBO, and AirDNA market data — to qualify your loan.
STR income
Counts to qualify
75%
Max LTV purchase
AirDNA
Market data accepted
1–8 units
Eligible property types
No cap
On STR properties owned
Why STR Financing Is Different — And Why It Matters
Airbnb and VRBO properties generate irregular, platform-reported income that traditional lenders don’t know how to qualify. We work exclusively with lenders who specialize in this asset class.
What STR Lenders Accept
- ✓ Actual Airbnb / VRBO platform revenue
- ✓ AirDNA projected market rents
- ✓ 12-month STR operating history
- ✓ Properties with less than 12 months rental history
- ✓ Beach, ski, urban, and resort markets
- ✓ 1–8 unit residential properties
Common STR Scenarios We Finance
- → First STR purchase in a vacation market
- → Refinancing an existing Airbnb property
- → Adding an STR to a rental portfolio
- → Converting a primary to STR after move-out
- → Beach house or mountain cabin purchase
- → Urban condo for platform rental
Loan Programs for STR Properties
Multiple financing paths depending on your situation and market.
Short-Term Rental Loans →
Purpose-built for Airbnb and VRBO. Qualify on platform income or AirDNA market rents. Up to 75% LTV.
DSCR Loans →
Property cash flow covers the payment. STR income calculated at market rate. No personal income docs required.
Hard Money & Bridge →
Close fast on a hot STR market opportunity. Bridge while stabilizing occupancy. 7–14 day closings.
Bank Statement Loans →
For STR operators who self-manage and deposit rental income into personal or business accounts.
Frequently Asked Questions
Can I use Airbnb income to qualify for a mortgage?
Yes, with the right lender. STR-specific programs use actual platform revenue or AirDNA market projections to calculate DSCR. Standard conventional lenders cannot accept this income type.
Do I need to live in the property?
No. STR loans are primarily for investment properties — second homes and non-owner-occupied rentals. Your primary residence is financed separately.
What markets are eligible for STR loans?
Most vacation and urban markets qualify. Some lenders have restrictions on very small or rural markets. We work across California, Florida, and Texas — all strong STR markets.
What’s the minimum down payment?
Most STR programs require 25% down (75% LTV). Some lenders allow 20% down for strong borrowers with high credit scores and documented STR operating history.
What if my property isn’t rented yet?
New purchases can qualify using AirDNA projected market rents rather than actual income history. The property’s market potential is what matters, not past revenue.
Can I finance multiple Airbnb properties?
Yes. Unlike conventional loans, DSCR and STR programs do not cap the number of financed investment properties. Portfolio investors are welcome.
Ready to Add an Airbnb Property to Your Portfolio?
Talk to Steve Abo about STR financing options. We’ll find the right lender for your market and property type.