Capital Solutions
Loan Programs Built for Investors
Fifteen specialized programs designed around how short-term rental and investment properties actually cash flow, not around outdated conventional mortgage logic.
DSCR Loans
Qualify using property cash flow, no personal income docs, no DTI limits.
Short-Term Rental Financing
Purpose-built underwriting for Airbnb, VRBO, and vacation rentals.
Airbnb Financing
Structured for the way Airbnb hosts actually earn, with AirDNA-supported income.
VRBO Financing
Second-home and investor programs tuned for VRBO cash flow.
Vacation Home Loans
Second-home rates with the flexibility for occasional STR income.
Second Home Loans
Personal use with investor-friendly financing structures.
Investment Property Loans
Conventional and portfolio programs for growing your rentals.
Conventional Investor Loans
Fannie/Freddie loans for qualifying investor buyers.
Jumbo Investment Loans
High-balance financing for luxury cabins and vacation homes.
Cash-Out Refinance
Turn equity into your next acquisition, or portfolio expansion.
Portfolio Loans
Consolidate multiple properties under a single blanket loan.
No Income Documentation
Bank statement, asset-based, and DSCR alternatives to traditional docs.
AirDNA Income Qualification
Use projected STR income to qualify, not personal tax returns.
No 1007 Loan Programs
Skip the 1007 rent schedule with alternative documentation options.
Real Estate Investor Financing
Custom strategy for scaling a rental portfolio nationwide.
Talk with Lisa about your next investment
A 30-minute strategy call. No pressure, no pitch, just clear answers tailored to your investment goals.
Straight answers about DSCR & STR financing
The questions investors ask most, answered plainly.
- What is a DSCR loan?
- A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's rental income rather than your personal income. If the property's projected rent covers the mortgage payment, you can qualify, no tax returns, W-2s, or DTI limits required.
- Can I use Airbnb or VRBO income to qualify?
- Yes. Short-term rental income from Airbnb and VRBO can be used to qualify through DSCR loans and AirDNA-supported income programs. This is one of the few ways to finance a vacation rental using its own projected cash flow.
- How much do I need to put down on a DSCR loan?
- Most DSCR loans require 20,25% down for purchases and allow up to 75,80% loan-to-value on cash-out refinances. Exact terms depend on credit score, property type, and DSCR ratio.
- Do DSCR loans require personal income documentation?
- No. DSCR loans skip W-2s, tax returns, and DTI calculations. Qualification is based on the property's rental income, your credit score, and the down payment.
- Can I finance a Smoky Mountains cabin as a short-term rental?
- Yes. Cabins in Gatlinburg, Pigeon Forge, and Sevierville are financed regularly using DSCR and vacation home programs that recognize short-term rental income from AirDNA data.