Submit a deal

Airbnb & short-term rental loans

Your Airbnb deserves a 30-year loan, not a 12-month clock.

Easy Lending USA is a lending platform that connects real estate investors with private lenders. Through our lending partners, short-term rentals are financed on 30-year terms with no balloon, and qualified on the booking income (12 months of history or a projection), not your tax returns.

  • Up to 80% of the price or value with 700+ credit, or up to 85% on a purchase for experienced investors with 740+ credit and DSCR 1.25+
  • Refinance out of hard money or a bridge loan into a 30-year fixed or ARM
  • Going mid-term or long-term? When half or more of the rent is long-term, the loan is priced as a long-term rental
  • LLC or personal name. No fee to you from us: we are paid by the lender when the loan closes

Prefer to talk? Call (858) 800-2280.

Check your deal in 60 seconds

Eleven quick questions. No credit pull, no cost. If it fits, Izzy calls or texts within one business day. If it doesn’t, the form tells you straight away.

Izzy calls or texts within one business day.

By submitting this form you agree to our Terms and Privacy Policy, and you consent to be contacted by Easy Lending USA by phone call, text message and email at the details you provide, about your enquiry — including where the number given appears on a do-not-call list. Consent is not a condition of any purchase and is not required to submit a deal or receive financing. Message and data rates may apply. Reply STOP to any text to opt out, or email underwriting@easylendingusa.com to withdraw consent at any time.

Who this is for

  • Investors buying or refinancing an Airbnb, VRBO, short-term or mid-term rental they will not live in
  • 1–4 unit homes, townhomes and condos worth $125,000 or more
  • Property anywhere in the US — all 50 states

What it takes

  • Credit 680+ for short-term rentals (long-term rentals from 640 through our lending partners)
  • At least 15% down, 20% for most borrowers, plus six months of reserves
  • Income that covers the payment at least once over (DSCR 1.00)

Not a fit

  • A primary residence or second home you or your family will use
  • Consumer or personal loans of any kind
  • Properties under $125,000

Short-term rental terms: 30-year fixed, 5/6 or 7/6 ARM, minimum DSCR 1.00, loans $100k–$2M. 85% LTV on purchases only, for experienced investors with 740+ credit and DSCR 1.25+, loans $250k–$2M, not in every market. Short-term rentals price about 0.25% above long-term rentals. Full details on the short-term rental loan page. Subject to underwriting. Not an offer or commitment to lend.

Easy Lending USA is not a lender, a bank, or a mortgage broker. We introduce real estate investors to independent private lenders, who make every credit decision. Business-purpose loans only, secured by non-owner-occupied investment property. Financing does not make a short-term rental legal: confirm local ordinances and HOA rules before you buy.