Your short-term rental income qualifies you. Your tax returns don't have to.
Most financing options for STR investors were built for someone else. We built this one specifically for you — purchase or refinance any short-term rental — Airbnb, VRBO, Booking.com, or direct booking — using real platform payouts or intelligent market projections. No tax returns. No W-2. No explaining yourself. Nationwide. Close in under 30 days.
Trusted by investors who learn from
Nationwide STR loans, built for short-term rental investors.
Purchase or refinance short-term rentals using real STR income — not your tax returns. Underwritten by people who actually understand the STR market.
- Qualify with Airbnb, VRBO, Booking.com, or direct booking payouts — or AirDNA projections
- No tax returns required
- Same-day DSCR review
- 30-year fixed & interest-only options
- Nationwide — all 50 states
- Purchase, rate/term, and cash-out refinance
Price your STR scenario
Plug in a few details — we'll price it against today's rate sheet.
LTV: 75.0%
Sample terms our STR investors close at.
Actual rates and terms depend on credit, LTV, DSCR, and property — but here's a real-world snapshot.
DSCR + STR income = qualifying on the asset, not your W-2.
A conventional lender looks at your tax returns. A DSCR lender looks at the property. For short-term rental investors, that's a different universe — and it's why the wrong lender kills your deal.
- ✗ Demands 2 years of personal tax returns
- ✗ Penalizes you for STR depreciation & write-offs
- ✗ Uses 1007 long-term rent comps, ignoring STR upside
- ✗ Caps you at 10 financed properties
- ✗ 45–60 day closings
- ✓ Qualify on STR payouts (Airbnb, VRBO, Booking.com, direct) — no tax returns
- ✓ Write-offs don't hurt you
- ✓ Real STR income (or AirDNA) drives the underwrite
- ✓ Unlimited STR properties — no Fannie cap
- ✓ Investor-friendly underwriting — STR-specialized review
Close your STR loan in 3 steps.
Apply
Submit your STR income — Airbnb, VRBO, Booking.com, or direct booking payouts, or an AirDNA link. Under 2 minutes.
Underwrite
Same-day STR-specialized DSCR review. Lock your rate fast.
Close
Investor-friendly closing. Most files fund in under 30 days — some in as little as 2 weeks. LLC vesting welcome.
STR financing is all we do.
Reify Funding exists for one reason: short-term rental investors are underserved by conventional lenders who penalize Schedule E depreciation and ignore real Airbnb income. We built a DSCR program around how STRs actually perform — underwriting to real platform payouts and AirDNA, not just FICO and DTI. STR is our entire business. That focus shows up in every file we touch.
Real loans. Real cashflowing properties.
"Conventional lenders couldn't make sense of my Airbnb income. Reify Funding qualified me on real STR payouts — smooth, straightforward process."
"My CPA said no bank would touch me with the depreciation on my returns. Reify Funding used my Airbnb payouts — quick close, smooth process."
"Multiple Disney-area STRs financed with the same team. The interest-only option freed up cashflow for the next acquisition."
"Foreign national program — no US tax returns needed. Beach house funded smoothly."
"Refi'd desert STRs with a team that actually understood the market. Smooth process and genuinely competitive terms."
Built for the STR investor — not the W-2 borrower.
Nationwide STR programs
All 50 states. Vacation markets, urban STRs, ski towns, beach.
DSCR with STR income
We underwrite using actual STR payouts (any platform) or AirDNA.
Investor-friendly underwriting
Same-day STR-specialized DSCR review who actually know the market.
Purchase + Refinance
Acquire new STRs or pull cash-out for the next deal.
Foreign national OK
No US tax returns or SSN required. ITIN borrowers welcome.