Capital Solutions
Loan Programs Built for Investors
A curated set of financing categories designed around how short-term rental, second-home, and investment properties actually work. Program availability and eligibility vary by lender, borrower, property, and state.
Have a Property in Mind?
Have a property or listing in mind? Send the property details for a financing review before making an offer.
DSCR Loans
Many DSCR programs evaluate eligible property rental income instead of relying primarily on traditional personal-income calculations. Subject to lender guidelines and eligibility.
Conventional Investment Property Loans
Traditional financing options for qualified borrowers purchasing or refinancing investment properties. Subject to credit, income, and program requirements.
Second-Home and Vacation-Home Loans
Consumer mortgage options for eligible properties that meet occupancy, location, borrower, and program requirements.
Jumbo Investor Financing
Financing options for higher loan amounts and qualified investment properties, depending on lender guidelines.
Portfolio and Blanket Loans
Options that may help investors finance multiple properties or properties that do not fit standard agency guidelines.
Cash-Out Refinance
Financing that may allow qualified investors to access equity from an existing property, subject to eligibility and lender guidelines.
Bank-Statement and Alternative Documentation Loans
Options for qualified self-employed borrowers or borrowers whose income may not be fully reflected by traditional tax returns.
STR Education
Questions to Ask Before Buying a Short-Term Rental
Before making an offer on an Airbnb, cabin, vacation rental, or other short-term rental, review the local regulations, actual rental history, operating expenses, insurance, financing requirements, required cash, and reserves.
Next Step for Investors
Have a Property in Mind?
If you are considering a cabin, Airbnb, vacation rental, or investment property, request an initial financing review before making an offer.
Still researching? Book a Strategy Call to discuss your financing goals and next steps.
Purchasing through a potential Section 1031 like-kind exchange? Financing a 1031 exchange replacement property
Program Disclosure
Loan programs, documentation requirements, occupancy rules, down-payment requirements, interest rates, reserves, credit standards, and property eligibility vary by lender and transaction. Not every program is available in every state or for every borrower.
This website provides general information about consumer and business-purpose mortgage financing. Some programs may be available only for investment or non-owner-occupied properties, while others may have personal occupancy requirements. Program availability, licensing, terms, documentation, and eligibility vary by lender, borrower, property type, occupancy, and state.
All mortgage financing is subject to credit review, income or asset verification when required, appraisal, title, insurance, lender guidelines, and final approval.
Lisa Stepp-Seritt, NMLS #680403
Mpire Financial, NMLS #2108504
Equal Housing Opportunity
Down payments, credit scores, reserves, rates and closing timelines shown on this page are general ranges, not universal minimums. Some DSCR programs may allow down payments beginning around 20%, depending on credit, DSCR, loan amount, property type, reserves and current lender guidelines. Loan terms and eligibility vary by lender, borrower, property and transaction.
Ready to Get Pre-Approved or Start Your Loan?
Complete Lisa's secure mortgage application
This is the official mortgage application used to begin the pre-approval, purchase, or refinance process. Separate from strategy calls, calculators, worksheets, and property reviews.
Secure online application · Approximately 10 minutes · No obligation to proceed
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 is an investor program where many lenders evaluate eligible property rental income instead of relying primarily on traditional personal-income calculations. Some DSCR programs may not require traditional W-2 or tax-return income documentation, and debt-to-income may not be used in the traditional manner. Borrower, credit, asset and property requirements still apply, and requirements vary by lender, borrower, property and transaction.
- Can I use Airbnb or VRBO income to qualify?
- Often, yes. Certain lenders may consider approved short-term rental projections, appraisal-supported market rent, existing rental history or eligible third-party market data such as AirDNA. Not every DSCR lender evaluates short-term rental income or AirDNA data in the same way, so the program is matched to the property and transaction.
- How much do I need to put down on a DSCR loan?
- Most DSCR purchase programs require approximately 20%–25% down. Cash-out refinance loan-to-value limits commonly vary by lender, borrower, property type and DSCR ratio. Exact requirements are determined by the selected lender and transaction.
- How does the 2026 conforming loan limit affect a DSCR loan?
- The 2026 baseline conforming loan limit for most one-unit properties is $832,750, with higher limits in designated high-cost areas. That limit applies to eligible conventional loans purchased by Fannie Mae and Freddie Mac, not to DSCR loans. DSCR loans are non-QM investor products, so eligibility and loan amounts are set by each DSCR program's own guidelines, not by the conforming limit.
- Do DSCR loans require personal income documentation?
- Some DSCR programs may not require traditional W-2 or tax-return income documentation, and debt-to-income may not be calculated in the traditional manner. Documentation requirements vary by lender, borrower, property and transaction, and credit, asset, reserve and property requirements still apply.
- Can I finance a Smoky Mountains cabin as a short-term rental?
- Cabins in Gatlinburg, Pigeon Forge, and Sevierville are financed regularly using DSCR and vacation home programs. Certain lenders may consider approved short-term rental projections, appraisal-supported market rent, rental history or eligible third-party market data such as AirDNA. Program requirements vary by lender, borrower, property and transaction.