Free Investor Resource
20-Point Short-Term Rental Investment Checklist
Review the property, numbers, financing, and offer strategy before you commit.
A short-term rental can look like a great opportunity and still create expensive problems when local rules, insurance, property condition, projected income, financing, reserves, or offer terms are overlooked.
Use this free checklist to organize the questions that should be reviewed with Lisa and your real estate agent before making or revising an offer.
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What You'll Review
- Short-term rental legality, zoning, permits, and HOA restrictions
- Property condition, inspections, insurance, flood risk, septic, utilities, and access
- Projected rental income, management costs, maintenance, taxes, and reserves
- Financing options, down payment, closing costs, appraisal, and property eligibility
- Offer terms, deadlines, disclosures, inspections, and contingencies
Review the Property With Your Real Estate Agent
Your real estate agent should help you review the listing, seller disclosures, property condition, local requirements, inspection strategy, offer terms, deadlines, and contingencies. Use this checklist as a conversation guide with both Lisa and your real estate agent before moving forward.
Have a Property in Mind?
Send Lisa the deal for a free initial financing review before you make the offer. Share the listing, purchase price, projected rental income, and planned down payment so Lisa can help identify possible financing concerns, cash requirements, and property issues before you commit.
No loan application is required for the initial review. Do not submit Social Security numbers, bank statements, tax returns, account numbers, or other sensitive financial information.
This checklist is provided for educational and planning purposes only. It is not an appraisal, property inspection, legal opinion, tax advice, investment recommendation, underwriting decision, loan approval, or guarantee of rental income. Investors should independently verify all information and review the property, disclosures, offer terms, inspections, and contingencies with their real estate agent and other appropriate professionals.
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