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
Expert financing guidance for investment properties, vacation homes, and short-term rentals.
Buying an investment property is about more than finding the right property, it's about choosing the right financing strategy. Before you make an offer, submit the property to The Investor Deal Desk.
Led by Lisa Stepp, with more than 25 years of mortgage industry experience, our team reviews your property from a financing perspective to help you understand potential financing options, estimated cash requirements, financing considerations, and the best next steps before you move forward.
Whether you're purchasing your first investment property or expanding your portfolio, our mission is to help you make informed financing decisions with confidence.
Compare financing solutions including DSCR, Conventional, Jumbo, Second Home, and other eligible investment loan programs.
Understand your estimated down payment, closing costs, reserve requirements, and overall cash needed before closing.
Identify potential financing concerns before spending money on inspections, appraisals, or due diligence.
Receive financing recommendations tailored to your investment goals, not a one-size-fits-all loan solution.
The Investor Deal Desk is led by Lisa Stepp and supported by an experienced mortgage operations team committed to providing exceptional service from application through closing.
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.
Many DSCR programs evaluate eligible property rental income rather than relying primarily on traditional personal-income calculations.
Documentation and eligibility requirements vary by lender, borrower, property and transaction.
Explore DSCR LoansFinancing options designed for qualifying short-term rental properties, including programs that may consider approved market rent, existing rental history or eligible third-party rental data.
Not every lender evaluates short-term rental income or third-party data in the same way.
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.
Smoky Mountain Investor Guide
Explore financing considerations for cabins and investment properties in Sevierville, Pigeon Forge, Gatlinburg, Wears Valley and unincorporated Sevier County.
Reviews
Read verified feedback from borrowers, investors and real estate professionals who have worked with Lisa.
These links open Lisa's public Google Business Profile and the official Google review form in a new browser tab. Reviews are never embedded or scraped on this site.
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.
Often, yes. Many DSCR programs evaluate eligible property rental income rather than relying primarily on traditional personal-income calculations. Some programs may not require traditional W-2 or tax-return income documentation, though documentation and eligibility requirements vary by lender, borrower, property and transaction.
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.
Financing is available in eligible states, subject to licensing and program requirements. Lisa helps investors explore financing options in eligible states through Mpire Financial and its lending network.
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
