Capital for your short-term rental properties — Host Loans
We connect experienced Airbnb hosts with non-QM lenders who prioritize projected rental income over personal tax returns.
Soft inquiry only. No impact on your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- DSCR
- non-QM
- cash-out refinance
- bridge loan
- debt service coverage
- portfolio loan
- occupancy rate
- ADR
Short-term rental property financing for Airbnb hosts
Financing options matched to your situation, in one place.
- DSCR Dscr rental financing Qualify based on property cash flow instead of your personal debt-to-income ratio.
- BRIDGE Short-term bridge loans Close on new acquisitions fast while you prepare for long-term financing.
- RENO Renovation capital Secure funding for property upgrades to increase your nightly rate potential.
- PORT Portfolio consolidation Bundle multiple existing properties into a single loan to simplify your finances.
- $100K–$5M Loan amounts
- 15–30 days Typical funding speed
- 1.0x+ Min DSCR requirement
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Property-focused lending
- Qualifying relies on rental income rather than personal W-2 data.
- Your personal debt-to-income ratio is excluded from underwriting.
2026 lending standards
- Access terms built for high-interest rate environments.
- Secure fixed-rate products that protect against market volatility.
No personal income docs
- Avoid the paperwork nightmare of traditional bank applications.
- Use property performance data to prove your business viability.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
W-2 job requirements
Banks demand paystubs for your personal employment history.
Loan limits on properties
Traditional lenders cap how many mortgages you can hold at once.
Rental income exclusion
Conventional lenders often discount your Airbnb revenue stream entirely.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Professional host
Buying a second waterfront property
Real estate investor
Refinancing a portfolio of three cabins
Fix-and-flip specialist
Renovating a vacation rental unit
Multi-property owner
Cash-out refi for a luxury chalet
Protect your investment property
We partner with specialized insurance carriers that offer short-term rental liability policies designed to cover the unique risks of guest turnover.