Peak Choice Capital
Short-Term Rental (STR) Loans
Finance your Airbnb, VRBO, or vacation rental using its projected rental income, not your personal income. Built for short-term rental investors.
Purpose-built underwriting that accounts for nightly rates, occupancy, and seasonality.
What Is a Short-Term Rental Loan?
A short-term rental loan is a specialized investment property mortgage that qualifies you using the income a property is projected to earn on platforms like Airbnb and VRBO. Because nightly rates and occupancy are typically higher than a traditional annual lease, STR underwriting often supports a stronger loan than a standard rental loan on the same property.
Instead of tax returns or W-2s, we review market short-term rental projections for your property's location, bedroom count, and seasonality, then compare that income against the proposed payment. Strong STR markets and proven operators can qualify for our most competitive terms.
How STR income is measured:
Projected Nightly Rate × Projected Annual Occupancy ÷ 12 = Monthly Qualifying Income
STR Loan Benefits
Purpose-built financing for investors who rent by the night
Short-Term Rental Properties We Finance
From downtown condos to mountain cabins, we finance STRs in markets nationwide
Urban Short-Term Rentals
Downtown condos and lofts in high-demand travel markets
Examples: Chicago, Nashville, Austin, Miami
Vacation & Beach Rentals
Coastal and lakeside homes with strong peak-season demand
Examples: Gulf Coast, Great Lakes, coastal towns
Cabin & Mountain Getaways
Year-round rentals in outdoor destination markets
Examples: Smoky Mountains, Colorado, Upstate
Small Multi-Unit STRs
2-4 unit properties operated as short-term rentals
Examples: Duplexes, townhomes, ADU-backed homes
STR Loan Requirements
Straightforward criteria focused on the property's earning potential
Projected Rental Income
We underwrite using market short-term rental projections for the property's location and seasonality
Down Payment
Typically 20-25% down depending on the market, property type, and projected nightly income
Property Types
Condos, townhomes, single-family homes, cabins, and 2-4 unit properties
How It Works
Three simple steps from property to purchase
Share the Property
Send us the address plus your projected nightly rate and occupancy.
We Model the Income
We run market short-term rental projections against the proposed loan payment.
Close & List
Close in as little as 3 weeks and get your listing live for the season.