Underwrite actual short-term rental performance with 12-month income verification and conservative expense factors.
Program features and property types
- 12-month STR income averaging
- 20% expense factor applied
- Platform statements accepted
- Seasonal adjustment consideration
- Market rent analysis backup
- STR-experienced underwriters
- Property types: Single Family, Townhome, Condo, Vacation Rental
Business-purpose review
Business-purpose loans only. STR properties subject to local regulations and HOA restrictions.
Rates, fees, points, LTV, terms, and prepayment provisions vary by wholesale lender, borrower profile, property, state, and program. This is not a public rate sheet or an offer of specific terms.