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.
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.
Featured Free Training
Learn how many DSCR programs evaluate the property's rental income and expenses rather than relying only on traditional personal-income calculations.
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.
Many DSCR programs evaluate the property's rental income rather than relying on traditional personal-income calculations. Depending on the lender and transaction, income may be evaluated using market rents, existing leases, property history or eligible short-term rental data.
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
Read verified feedback from borrowers, investors and real estate professionals who have worked with Lisa.
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
Keep Learning
Short trainings and videos to help you evaluate financing options before you write an offer.
A growing library of short-form videos on DSCR, STR financing and investor strategy.
Watch
A quick mini-class on DSCR underwriting and projected rental income.
WatchA gated investor-only training. Quick opt-in keeps it in the hands of real buyers.
WatchAbout Lisa
Lisa Stepp is a Senior Loan Officer and Short-Term Rental Financing Specialist with more than 25 years in the mortgage industry. She helps buyers, investors and real estate professionals understand DSCR, conventional, second-home, jumbo and other available financing options based on the borrower, property and transaction.
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