Specialized mortgage guidance for short-term rentals, vacation homes, second homes, cabins, and investment properties. Lisa Stepp helps buyers and investors navigate DSCR lending, investor financing, and real-world mortgage strategy with an education-first approach.
*Subject to state, lender, and program availability.
$340M+
In STR loans funded
1,200+
Investors financed
Continental U.S.
Coverage*
18 days
Average close time
*Subject to state, lender, and program availability.
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.
Clear to close in as little as 18 days. Then we repeat, portfolio loans, cash-out refinances, and your next acquisition.
Ready when you are
Encrypted 1003 · Takes about 10 minutes · No commitment
Investor Stories
“Lisa walked us through our first DSCR loan on a Pigeon Forge cabin. Closed in 21 days with zero income docs. We already bought our second property with her.”
Marcus & Tanya R.
First-Time STR Investors · Pigeon Forge, TN
“Every other lender wanted two years of tax returns. Lisa used AirDNA data and got us approved in 48 hours. She actually understands short-term rentals.”
David Chen
Portfolio Investor · Gatlinburg, TN
“We've referred over a dozen clients to Lisa. She pre-qualifies buyers fast, communicates with our team, and never lets a deal die at the financing stage.”
Sarah M.
Realtor · eXp Realty · Sevierville, TN
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
Author & Advisor
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
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.
The Stepp Up Show
One podcast. One YouTube walkthrough. One live webinar. Every week, Lisa shares practical mortgage and investment education for serious buyers, investors, and the professionals who serve them.
The mechanics of no-income-documentation loans for serious investors , what underwriters actually look at, and where deals quietly fall apart.
Listen to episode
Field Notes · 12 min
Walking a Sevierville 5-bedroom with the financing stack laid out room by room.
Watch episode
Live · Thursday 2:00 PM ET
A live deep-dive into qualifying for investment property financing without tax returns, understanding rental-income qualification, and choosing the right strategy for your next purchase.
Reserve your seatAbout 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.
Whether you’re buying a vacation home, financing a short-term rental, refinancing an investment property, or planning your next acquisition, the right financing strategy makes all the difference.
