Short Term Rental Loans Built for Real Estate Investors

Qualify with rental income. No tax returns. No income ratio.

Apply Now

What Is A Short Term Rental Loan?

A Short Term Rental Loan is designed for investors financing properties used for vacation rentals and short-term stays, such as Airbnb or Vrbo properties.

This program allows qualification based on projected or actual rental income from short-term performance — not traditional employment documentation.

If the property produces strong revenue potential, you can qualify. Short-term rental financing is ideal for:

Airbnb & vacation rental investors
High-cash-flow market properties
Resort and destination locations
Investors transitioning from long-term rentals
Portfolio diversification strategies

At Asteris Lending, we evaluate income potential, market demand, and cash flow strength — not W2s or tax returns.

Built for High-Yield Performance

Income-Based Qualification Approval structured around projected or actual STR revenue. Market-Focused Underwriting We analyze location demand, occupancy trends, and revenue data. Flexible Loan Structures Designed to support aggressive ROI strategies.

Are We a Good Fit?

Our Short Term Rental Loan program is structured to be straightforward and investor-friendly.

Minimum Credit Score

660

Reserves

3 Months

Property Types

SFR, Condo, Townhome, 1–4 Units

Seasoning

6 Months On Refinance

Prepayment Penalty

Optional

Down Payment

20% minimum

Experience

1 Yr STR Rental History

Occupancy

Non-Owner-Occupied

Loan Amount

$100K minimum
Up to $5M maximum

Appraisal

Required

How It

Works

Provide basic details on the subject property and projected rental income.

We structure your loan based on DSCR performance and credit profile.

Appraisal completed. Loan documents signed. Capital deployed.

Why Investors Choose
Asteris Lending

This is financing built for operators, not hobbyists.

First-time investor friendly
Qualify using rental income
No personal income verification
Competitive 5.5% starting rates*
Up to 80% LTV
Loan amounts up to $5M
Interest-only options available
Blanket loans available
Reliable 10–21 day closing timeline

Product Type

Short Term Rental

Experience Required:

1 Yr STR Rental History

Minimum Credit Score:

660

Liquidity:

20% Down

Reserves:

3 Months

Prepayment Penalty:

Optional

Closing Timeline:

10 to 21 Days

Draw Schedule:

N/A

Rate:

5.875%

Loan-to-Value LTV:

75%

Loan-to-Cost (LTC):

N/A

Loan Term:

30 Yr or Interest Only

Asset Types:

SFR, Condo, Townhome, 1–4 Units

Loan Amount Min:

$100k

Loan Amount Max:

$5M

Product Specifics:

Non-Owner-Occupied, 6 Mo. Seasoning Requirement, Blanket Loan Option

Number of Units:

1 to 4 Units

States We

Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

Frequently Asked Questions

Can I qualify as a first-time investor?

Yes. Prior rental experience is not required.

Do I need to provide tax returns?

No. Qualification is based on the property’s rental income.

Can I refinance an existing rental?

Yes. A 6-month seasoning requirement applies.

Are short-term rentals eligible?

Eligibility depends on documentation and property profile.

Is there a prepayment penalty?

Optional structures are available.

Grow Your Rental Portfolio
with Asteris Lending

Access up to 80% LTV with competitive rates and investor-driven underwriting. Submit your DSCR scenario today and receive terms tailored to your property.

Short Term Rental Loans Built for Real Estate Investors

LTV

75%

RATE

5.875%

CLOSING

10-21 Days

TERMS

30 Yr or Interest Only

$100K - $5M
LOAN AMOUNTS

Apply Now