Dear AIRBNB & STR Investors,
Short Term Rental Investors are notorious for searching broad areas and multiple states for the strongest ROI prospects and even many of my personal PNW investors have found themselves as far away as Florida and Oklahoma. I can see the draw - you can get a large newer construction home with 4-5-6 bedrooms and all the bells and whistles with a healthy jumbo loan.
As a part of supporting our AIRBNB investors and STR clients we’ve locked in some exceptionally competitive local AIRBNB mortgage lenders (in both Florida and Oklahoma) for that matter. Our platform is optimal for short term rental investors because it allows for accurate daily rates and pricing at the borrowers discretion (without the need for a credit pull) and in most instances investors can seamlessly transition to other states without the need for a new STR lender relationship
Here’s an example of a monthly rate incentive from one of our Oklahoma AIRBNB Mortgage Lenders:
DSCR Loans (DSCR > 1.0x)
.250% improvement on loan amounts $400,000-$750,000
.375 improvement on loan amounts $750,000 and above
All Other Non-QM Loans (excluding P&L programs)
.250 improvement on loan amounts $400,000-$750,000
.375 improvement on loan amounts $750,000 and above
Timing Requirements
Loans must be submitted by: April 30, 2026
Loans must fund by: May 31, 2026
🌸 Example AIRBNB Investor Loan
ASSET DEPLETION + W2 (NON-PRIME)
$4,000,000 loan
100% cash-out
Borrower had multiple income sources — but none strong enough on their own
W2 alone didn’t work — Assets alone didn’t work
What we did instead:
→ Combined W2 income + asset depletion
→ Structured together to qualify
→Approved and closed.
We can use these individually or combined:
W2
Bank Statements
1099
Asset Depletion
Airbnb Loan Programs — Work with an STR lender that specialize in Airbnbs and vacation rentals. Mortgage loans for short-term vacation rentals and Airbnb properties. Online quotes without credit checks.
☑️ We shop 240+ Lenders including all of the above to find you the rock bottom rate and program for your AIRBNB property purchase or refinance needs.
🤝Your strategic Lending Parter
With 20+ years in the mortgage industry under my belt there isn’t too much in the space that can surprise or impress me. One group that has and who I currently hang my license with is Loan Factory.
Truly tech forward company that both I and my referred clients have all had an exceptional experience with. Since I don’t work ‘both sides’ of any real estate + mortgage transactions - I refer my AIRBNB and STR investors to the first person I recruited into the industry 2004 - Mr. Chiofalo with Loan Factory.
🎯 What We Like
Accurate mortgage pricing tool that does not require a credit check (provided the inputs are accurate so are the terms displayed).
Self Revise Pre Quals. In the STR business there are often pressures that do not accompany standard real estate transactions. I like the ability to adjust Pre Quals on the fly without a request from the mortgage broker.
LOTS of lenders that provide rock bottom rates. There has not been a loan scenario referred that was not doable or highly competitive. In most instances that my investors shop, they come back to Loan Factory because the terms were that much stronger. Also if there is a quirky requirement (like closing in or transferring to an LLC) they’ve found a home for the loan.
Convenience and transparency. The platform itself is very user friendly and the teams behind the scenes are nothing short of outstanding. My clients know where they are in the process and what they need to provide and each has received the terms promised at inception.
👏🏼 With 40+ years of combined lending experience and the power of our 240+ Lenders - we dare you to compare!
For a quick quote or to schedule a AIRBNB Mortgage consultation to qualify or compare terms visit us below!
⬇️ Some of the AIRBNB, STR & DSCR Loan Programs we offer:
NON-QM (Alternative income & asset verification) Spotlight: Asset Depletion & DSCR
Fixed Second Lien Programs up to $500K (Primary, Second, Investment)
JUMBO ARM Specials
Non-Warrantable Condos and Vacant Properties
📊 MORTGAGE PROGRAMS
💰Asset Depletion Qualification Loans
Did you know that you don’t have to sell your portfolio or assets to utilize them to qualify? Instead - borrowers can use their money market or retirement account funds as ‘income’ to qualify. Here’s how: Multiply the proposed payment by two-ish (40% DTI) then take 70% of the value of the portfolio and divide it by 60-84 months. If the balance is sufficient to cover the ‘proposed’ payment, high-asset borrowers can qualify for near conventional loan rates (MUCH BETTER THAN DSCR!)
🏦First Lien HELOC Example Program
🧮 Example No-Ratio Program - Primary & 2nd Homes - When income docs don’t work, we do. This loan requires:
No Income or DTI Requirements
Up to $2.5M Loan Amount ($3M with exception)
80% Max LTV for Purchase/Rate-Term
75% Max LTV for Cash-Out
No Cash-Out Seasoning
620 Min FICO
100% Gift Funds Allowed (for down payment & closing costs)
💡Example DSCR Loan Programs (Debt-Service-Coverage-Ratio)
No Seasoning on Cash-Out Refinances: Unlock equity immediately.
No Current Appraised Value Seasoning: Just renovated? We use the most recent appraisal.
No Chain of Title Seasoning: Need to add a new borrower to title? No problem!
Vacant Properties - we lend on vacant properties.
Recently Listed Properties - off MLS by closing.
Fair Market Rent or Current Rent - use whichever is Greater!
Weekly Rate & Program Highlights
🐘 JUMBO ARM rates are reaching enticing levels with one of our premier jumbo lenders. Intended for prime conventional borrower of primary and secondary residences.
Working on a luxury purchase that requires additional buyer incentives and elite attentive client care? Call Joseph 24/7/365 @ 954-480-7478
🚒 Seller Concessions are HOT: Did you know that on second home loans the maximum seller paid concession with as little as 10% down is 6% of the sales price!?
Below is a Seller Concession Cheat Sheet:
🧑🏼🎤Pro Realtor & Investor Concierge: Are you a Realtor closing 10+ Deals annually or an individual investor with more than 3+ properties owned? Ask about our repeat client and portfolio programs that centralize operations. Book your 15 minute Private Mortgage Consultation here.
Call, text or email us anytime,
Joseph Chiofalo | Loan Factory | Licensed NMLS Mortgage Broker
📲954-480-7478 📧 [email protected] | LIVE QUOTES ☑️
Anthony AJ Wong | Loan Factory | Licensed NMLS Mortgage & Licensed OR + CA Real Estate Broker - Sesemi STR Brokers Powered by Fathom Realty
📲541-800-0455 📧 [email protected] | Shop OR STRs🌲