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Short Term Rental Loan
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Lima One Short-Term
Rental Loans

Short term rentals can be harder to manage, and at times, harder to finance. Many lenders won't finance them because they don't understand what it takes to invest in this strategy. We offer specialized rental loans for investors who want to operate in AirBnB properties, VRBO rental, and vacation homes.

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Program Highlights

  • Up to 75% LTV on purchases
  • Up to 70% LTV for cash-out refinance
  • Minimum FICO 700
  • Fixed-rate, ARMs, fully amortizing, interest only, or balloons
  • Loans from $75K to $2.5M

Underwritten to STR Market Data

Underwritten to STR Market Data

Our Loan Programs

Lima One STR Loan Advantages

Customized for STR

We’re one of the few lenders who offer a short term rental loan program designed specifically for short-term rental investments.

Specialized Underwriting

We underwrite properties using AirDNA and other data sources that look at actual short-term rental property income in the surrounding market.

Unlock New Strategies

Our short-term rental investors can often acquire properties at a higher LTV because rent is higher and their DSCR is more favorable.

Maximized Cash Flow

With a Lima One short-term rental loan, a single solid short-term rental can equal four long-term rentals from a cash flow standpoint.

Take It From Successful STR Investors.

We’ve funded projects like yours. Take a look.

Case Study

Asheville, NC

Short – Term Rental – Asheville, NC

A borrower wanted to finance two properties used as short-term rentals in the mountains of Western North Carolina. One was a duplex inside the city center of Asheville, and the other was a mountain cabin closer to area ski slopes.

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$799K

Loan Amount

$1.12M

Purchase Price

Short-Term Rental Strategy Insights

Short-Term Rental Strategy Insights for Long-Term Success

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Whatever you need, we’re here to help. Reach out today.

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