Short-Term Rental & Investment Property Financing
Whether you are exploring financing, preparing to make an offer, or ready to apply, Lisa Stepp will help you understand the next step.
With more than 25 years in the mortgage industry, Lisa helps buyers and investors evaluate DSCR, conventional, second-home, jumbo and other available financing options.
Three Clear Options
Talk with Lisa about your goals, the property, down payment, loan options and next steps.
Book a Strategy CallSend Lisa the listing and proposed offer details so she can review the financing before you submit the offer.
A pre-approval letter requires a completed mortgage application and review of credit, income, assets and required documentation.
Send Lisa the Property DetailsComplete Lisa's secure mortgage application to begin the official pre-approval or loan process.
Start Mortgage ApplicationLoan availability and eligibility vary by borrower, property, lender, loan program and state.
Before You Make the Offer
Get a free initial financing review of the short-term rental property you are considering.
Have a listing, property address or potential purchase in mind? Share the basic details with Lisa before you write the offer. Lisa will review the property from a financing perspective and help you identify important questions involving projected rental income, loan options, down payment, reserves, insurance, appraisal and property eligibility.
Understand whether DSCR, conventional investment-property, second-home, jumbo or another available strategy may deserve consideration.
Identify possible down payment, closing-cost and reserve requirements before you commit.
Spot potential issues involving the appraisal, insurance, HOA, well, septic, acreage, property type or location.
Know which financing and underwriting questions should be answered before you sign the contract.
Already have a property in mind? Submit the listing, purchase price, projected rental income, and planned down payment for Lisa's initial financing review.
No loan application is required to request the initial review. Do not submit Social Security numbers, bank statements, tax returns or account information.
The Free STR Deal Review is an initial educational review based on the information provided. It is not an appraisal, underwriting decision, loan approval, rental-income guarantee or investment recommendation.
Capital Solutions
Flexible mortgage solutions for investors, vacation-home buyers, and strategic borrowers who need more than a one-size-fits-all loan.
Qualify based on the property's rental income instead of your W-2s or tax returns. Ideal for investors buying or refinancing short-term rentals and long-term rentals using DSCR cash-flow analysis.
Explore DSCR LoansPurpose-built for Airbnb and VRBO dynamics, including AirDNA-based income underwriting.
Explore Short-Term Rental FinancingFinance a second home or vacation property with options that consider real use and rental potential. Designed for buyers who want a place they love and a smart long-term asset.
Explore Vacation Home LoansConventional and jumbo investor programs for building a rental portfolio.
Explore Investment Property LoansStructure financing for cabins and mountain properties in a way that fits your goals — personal use, mixed-use, or future short-term rental potential — with guidance on down payment, reserves, and loan type.
Explore Cabin & Mountain FinancingUse existing equity and multiple properties to fund your next move. Cash-out and portfolio-style guidance for investment properties, cabins, and short-term rentals can help you pull capital for new purchases, renovations, or restructuring debt across your portfolio.
Explore Cash-Out & PortfolioThe Process
A clear path from first conversation to closed loan, designed for investors, vacation-home buyers, and borrowers who want a smarter financing strategy.
We review your deal, goals, and credit profile. I'll match you to the right DSCR or investor program before you ever write an offer.
No W-2s needed. We use AirDNA, market rents, or existing lease agreements to prove the property pays for itself.
My team knows STR paperwork. We handle appraisal scheduling, rental income analysis, and lender communication, start to finish.
Some qualified transactions may close in as little as 18 days. Actual closing timelines vary based on the property, appraisal, inspections, documentation, lender, title work, insurance, borrower responsiveness, and loan program.
Reviews
Lisa's clients and referral partners share their experiences publicly on Google. Read verified reviews from investors, first-time buyers, and real estate professionals she has worked with.
Vol. 01 · The Investor Library
A complete walkthrough of qualifying, structuring, and closing on your first, or fifth, short-term rental in today's rate environment. Written for serious investors.
Lisa Stepp
Senior Loan Officer & STR Financing Specialist
Pigeon Forge · Gatlinburg · Sevierville
The top-performing short-term rental markets in the Southeast , yields, occupancy, and regulatory intel from the field.
14.2%
Avg Yield
72%
Occupancy
Current Focus
Scaling Smoky Mountain STR portfolios via DSCR and AirDNA-qualified income.
Hyper-Local Expertise
As a local specialist in Pigeon Forge, Gatlinburg, Sevierville, and Wears Valley, I help investors navigate cabin-specific lending nuances, septic and well requirements, elevation-based insurance, and short-term rental regulations that trip up out-of-market lenders.
Stepp Up Your Game
Lisa shares practical mortgage and investment education through podcasts, videos, articles, mini-classes, calculators, and investor tools designed to help buyers make better financing decisions.
Lisa's podcast and video series on DSCR financing, short-term rental strategy, and the underwriting details that make or break investor deals. New episodes added as they are produced.
Browse episodes
Watch Lisa's growing library of short-term rental and DSCR financing videos on her YouTube channel.
Watch on YouTube
Free practical education covering DSCR financing, projected rental income, cabin financing, property analysis and common mistakes that can derail an investment-property loan.
Explore Free WebinarsAbout Lisa
Lisa Stepp is a mortgage professional with more than 25 years in the industry, a national educator, and a specialist in DSCR, short-term rental, vacation-home, and investment-property financing. Her clients work with her not just for loan options, but for the strategy, guidance, and market insight that help them make confident real estate decisions.
Quick Answers
Quick answers to the questions buyers and investors ask most before they book a call.
In many cases, yes. DSCR loans focus on the property's rental income and cash flow instead of your W-2s or tax returns, as long as the numbers support the payment.
Lenders look at market-based rents, short-term rental performance, and underwriting guidelines to determine DSCR. Lisa helps you understand how your property's actual or projected income may be viewed.
Yes. Many DSCR and investor programs are available across the continental U.S., subject to state, lender, and program availability.
Vacation-home loans focus more on personal use and second-home guidelines, while short-term rental loans are structured as investment loans using rental income. Lisa helps you choose the right strategy for your goals.
What Is Your Next Step?
Talk with Lisa about your goals, the property, down payment, loan options and next steps.
Book a Strategy CallSend Lisa the listing and proposed offer details so she can review the financing before you submit the offer.
A pre-approval letter requires a completed mortgage application and review of credit, income, assets and required documentation.
Send Lisa the Property DetailsComplete Lisa's secure mortgage application to begin the official pre-approval or loan process.
Start Mortgage Application