Short-Term Rental Loans
Airbnb and VRBO properties earn more than a 12-month lease — your loan should know that. Our STR program can qualify the property on its short-term rental income instead of forcing it onto lower long-term market rent. Fill out the form below to get started.
See what you qualify for.
No credit pull — see what you qualify for in 30 seconds.
Products shown are business-purpose investor loans (such as DSCR) secured by non-owner-occupied property. They are not consumer mortgages and are not intended for personal, family, or household use.
Estimates are based on the information you provide and assume it is accurate and complete. Actual terms depend on full underwriting, appraisal, title, and program eligibility and may differ. The rate shown is the note rate, not the APR; figures exclude taxes, insurance, and certain third-party costs, and the payment shown is principal and interest only.
Compensation and fees vary by loan amount, program, and transaction and are finalized in your loan documents at closing. By submitting, you authorize LiButti Capital to contact you about your inquiry by phone, text, and email (which may be autodialed or prerecorded) and to obtain consumer/credit reports as needed; message and data rates may apply. See our Privacy Policy.
Getting declined elsewhere? That’s usually where we start.
Complicated deals are our specialty — when a scenario falls outside the box, we pursue exceptions and structure a path to close. Bring us the deal other lenders walked away from.
- ✓ Exceptions allowed
- ✓ Declined by another lender
- ✓ Sub-1.0 DSCR / no-ratio
- ✓ Non-warrantable condos & condotels
- ✓ No seasoning on cash-out
- ✓ Foreign national & ITIN
- ✓ Vacant & rural properties
- ✓ 5-10 units & mixed use
- ✓ Lower credit — priced case-by-case
- ✓ First-time investors
How Airbnb & VRBO Income Actually Gets Underwritten
This is the question that separates STR lenders, so here’s the straight version. We can qualify the property three ways: the appraiser’s 1007 rent schedule (market rent), an AirDNA short-term rental analysis (what the property should earn on nightly rates), or your actual 12-month booking history. Most conventional DSCR underwrites only allow the first — the long-term market rent, usually the lowest number of the three.
Our STR program exists because that default punishes good vacation rentals. When the AirDNA projection or your trailing-twelve-month Airbnb/VRBO history is stronger than the market rent, we can underwrite to it — the property qualifies on what it actually earns, not on what a hypothetical 12-month tenant would pay. We tell you which method applies with your quote, before any credit pull, so there’s no underwriting surprise in week two.
No Booking History? Still Fundable
Buying a property that’s never been rented nightly — or converting a long-term rental to STR? No hosting track record is required. A property without booking history can still qualify on the appraiser’s 1007 market rent or an AirDNA projection, and first-time investors are fine: the underwrite is about the property and its income potential, not your resume as a host.
Where STRs Get Declined Elsewhere
Short-term rentals stack up the exact triggers conventional lenders run from: resort-area and rural locations, condotel and condo-hotel buildings, HOAs full of investors. That’s our lane. Condotels and non-warrantable condos are accepted — see our dedicated non-warrantable condo & condotel program — and vacant properties are fine at closing. Up to 80% LTV, with no seasoning if you later want to cash-out refinance against a higher appraisal.
Are We a Good Fit?
Our Short-Term Rental loans, structured as DSCR products, are tailored for investors focused on generating consistent income from rental properties. To qualify, you’ll need:
First Time Investor OK — no hosting track record required.
Minimum of 640
20% Down
Single-family homes (SFR), condos, townhomes, or 2-4 unit residential properties. Non-warrantable condos and condotels OK.
Financing available up to 80% of property value.
No Seasoning On Cash Out, Vacant Properties Accepted, Rural Properties Accepted.
DSCR Calculator
Debt Service Coverage Ratio = monthly rent ÷ total monthly expenses (P&I + other).
Short-Term Rental Loans Highlights
Transparent and investor-focused loan terms
How We Compare
Our published terms against what the rest of the market offers.
| Spec | LiButti Capital | Typical DSCR Lender |
|---|---|---|
| STR income counted | 1007, AirDNA, or 12-mo history | Long-term market rent only |
| Hosting history | Not required | Often 12 months required |
| Max LTV | Up to 80% | ~70-75% on STRs |
| Condotels & condo-hotels | Yes | Typically declined |
| Seasoning on cash-out | None | Often 6-12 months |
| Time to close | 10-14 days | Often 2-3 weeks |
| Rates | Published on this site | Not published |
“Typical DSCR Lender” reflects commonly published guidelines across the market — always confirm any lender's current terms, including ours, with a real quote.
Short Term Rental Questions, Answered
Real underwriting answers — not marketing copy.
How is my Airbnb/VRBO income used to qualify?
Three ways, and we use the one that fits your deal: the appraiser's 1007 rent schedule (long-term market rent), an AirDNA short-term rental analysis, or your actual 12-month booking history. Most lenders only allow the first — we can underwrite to the STR numbers when they're stronger.
What's the maximum LTV on a short-term rental?
Up to 80% of the property's value, depending on credit and the property's cash flow. You'll see your exact maximum in your quote, before any credit pull.
What credit score and reserves do I need?
A 640 minimum credit score, 20% down on a purchase, and about 3 months of reserves. We'll confirm your exact requirements with your quote.
Do you lend on condotels and condo-hotels?
Yes — condotels and non-warrantable condos are exactly the kind of property conventional lenders decline and we fund. See our dedicated non-warrantable condo and condotel program for the details.
Can I cash-out refinance my short-term rental without seasoning?
Yes — no seasoning on cash-out. If you've renovated and the property appraises higher, we can refinance at the new value right away.
Do I need a track record as a host?
No. First-time short-term-rental investors are fine — the deal is underwritten on the property and its income potential, not your hosting history.
Expert Support for Short Term Rental Lending
- STR Income, Counted:Underwriting that can use short-term rental income rather than discounting your property to a long-term lease number.
- Vacation Markets Welcome:Rural and resort-area properties accepted — including condotels and non-warrantable condo buildings.
- Seasonality Understood:We look at the property's full income picture, not one slow month — and tell you up front which income method applies.
- Fast Enough for a Hot Market:10-14 day closings so a good STR deal doesn't go to the next buyer.
Client Stories
No matter your situation, we believe there’s always a solution. Our #1 priority is making sure you walk away with a result you’re thrilled with.
- ★★★★★
“Great service, fast closing, upfront pricing without any last minute surprises like other lenders. Will be my go to real estate funding company to grow my portfolio.”
AAlbert Holguin
View review on Google - ★★★★★
“Amazing service! Really went above and beyond. Anthony was very knowledgeable. His expertise really made all the difference and I am very happy.”
AAngelica Montes
View review on Google - ★★★★★
“Had a great experience and the communication was constant and they gave me the best pricing and kept closing cost fair”
AAstroVanDam
View review on Google - ★★★★★
“Super solid quick and easy will use them again on my next investment property! Michael is the man.”
BBroc Dickerson
View review on Google - ★★★★★
“LiButti Capital deserves more than 5 star, they deserve timeless appreciation, at least that’s how I felt dealing with them. When my wife and I decided to venture into real estate investing the beginning of the year 2025, we were not only new to this space, we were completely clueless about where to start. In the quest for finding a lender, I randomly clicked a search result from Google, filled out their form, and later thought they were not covering my state of Louisiana but Holly Gayneta reached out and that began our lending journey with LiButti Capital which turned out to be one of the best decisions we made. LiButti’s team — from Anthony, to Holly, to Michael — are very experienced, responsive, knowledgeable, and customer-focused. From producing the first funding approval letter to closing, the team literally held our hands. I cannot recommend LiButti Capital enough. The whole process felt like we were in the same room and have known them forever, meanwhile it’s the other way around, geographically separated and never met in-person which makes a whole lot more amazing. Thank you guys, I hope to be a repeat customer.”
BBusayo Olukunle
View review on Google - ★★★★★
“I had a great experience refinancing my residential investment properties with LiButti Capital. Anthony was very responsive and provided excellent guidance throughout. Eight months ago, after doing all the work, he advised me not to move forward because the rates didn’t make sense—showing true client-first integrity. When rates became reasonable this week, we completed the refinance smoothly. Highly recommend.”
CCABESTHOME
View review on Google - ★★★★★
“Anthony and his team were dedicated and committed to helping us secure our loan. It was a challenging case, but they worked diligently and got it approved quickly. We truly appreciate their professionalism, responsiveness, and commitment throughout the entire process.”
CCandace Bo
View review on Google - ★★★★★
“Simply the best loan officers I've ever dealt with.”
CCapn
View review on Google - ★★★★★
“Really profesional got things done for us”
CCarlos R. Hernández
View review on Google - ★★★★★
“I used LiButti for a refinance DSCR loan. Anthony pressured me into locking in my rate due to the lender changing there loan process. I received my appraisal and my loan did not close until two weeks after the appraisal and 2 and a half weeks after I rate locked. I asked Anthony if I could change my rates and he said I already locked your rate. This was not what he had mentioned with my first loan through them. He stated that I could change my rate up to two days before closing. They prolonged my closing by two weeks at no fault of mine. I was yelled out through an email from Anthony accusing me of scheduling my closing before the loan was clear to close. Anthony have clearer communication with your team and you would know what’s going on. Very unprofessional of Anthony in the way he communicates to a customer. I’m happy that Michael is no longer with your team and started his own business. I would not recommend them.”
CCarrie Tilton
View review on Google - ★★★★★
“I had the pleasure of working with Anthony from LiButti Capital Mortgage, and I couldn't be more impressed with his professionalism and expertise. From start to finish, Anthony made the entire mortgage process smooth and stress-free. He was always available to answer my questions, provided clear and honest guidance, and worked tirelessly to secure the best possible rates for me. What really stood out was his commitment to ensuring I understood every step along the way. His attention to detail and willingness to go above and beyond to meet my needs truly exceeded my expectations. Thanks to Anthony and the team at LiButti Capital, I’m now a proud homeowner, and I couldn’t have done it without their help. I highly recommend Anthony to anyone looking for a reliable and knowledgeable mortgage professional. He's a true expert in his field!”
CCasey Tran
View review on Google - ★★★★★
“LiButti Capital made the refinancing process for both of my properties incredibly smooth and stress-free. Their professionalism and expertise were evident from start to finish, ensuring everything was handled quickly and accurately. I am so happy with the exceptional service I received and will definitely be referring others to LiButti Capital. If you're looking for efficient, reliable, and seamless refinancing, this is the team to work with!”
DDDT5
View review on Google - ★★★★★
“I used LiButti Capital to cash-out and refinance a few properties using DSCR loans. Anthony and the team was upfront, honest, and transparent with terms, pricing (including areas of uncertainty in the pricing), and timelines. They were also laser focused on getting me the loan products that met my needs. There were no surprises at closing and the process was very smooth overall. The team also did an excellent job of powering through a few unforeseen obstacles and remained extremely responsive and highly-driven throughout the entire process. I highly recommend LiButti Capital for anyone looking for a head-ache-free, well-supported experience as a borrower.”
DDavid Andrade
View review on Google - ★★★★★
“This is my 5th dealing I've done with Anthony and Gayneta and I can't wait for the next one! They are first class in every way!”
DDerrick Woodard
View review on Google - ★★★★★
“I just closed 4 DSCR refinances today — bringing our total to 6 deals in two months with Anthony and the LiButti Capital team. That kind of volume in that timeframe says everything. Anthony is the rare lender who breaks everything down without being asked. No hidden fees, no vague answers — he fights for competitive rates and makes sure you actually understand what you're signing. Every deal has deepened my trust in him and his team. As a real estate investor with a growing rental portfolio, having a lender I can count on is non-negotiable. Anthony LiButti has earned that spot. Highly recommend.”
DDevon Hunter
View review on Google - ★★★★★
“Libutti Capital is my go-to lender. Their communication is fast, clear, and extremely helpful throughout the entire process. This is the 4th DSCR loan they’ve closed for me, and each one has been handled professionally and efficiently. I strongly recommend them to any real estate investor looking for a reliable lending partner.”
EEric Santiago
View review on Google - ★★★★★
“We’ve always done great business and highly appreciate the attention and support. Thanks for all your help!”
EEvan Torres
View review on Google - ★★★★★
“Working with Anthony, Giovanni, and Josh has been fantastic! I found them incredibly knowledgeable, diligent, and quick throughout the loan process. Even as hiccups inevitably occurred, they kept things moving all the way to close.”
JJessena
View review on Google - ★★★★★
“Attentive and friendly. They were helpful in setting up my property loan in the business with very few hoops to jump. Very responsive and knowledgeable with answers to my questions and concerns.”
JJessica Vila-Stevenson
View review on Google - ★★★★★
“Great experience. I felt like i was truly being taken care of. Will do business with again in the future”
JJoshua Beler
View review on Google - ★★★★★
“Both Anthony Libutti and Michael LaVecchia are very helpful and you’ll be in good hands working with them.”
MMarisela Sanchez
View review on Google - ★★★★★
“I recently had the pleasure of working with Anthony & Gayneta during my loan process, and I cannot recommend them highly enough. From the very first interaction, it was clear that they were not only knowledgeable but also genuinely committed to helping me find the best loan option for my needs. Again, thank you. 😊 …”
MMary Dancy
View review on Google - ★★★★★
“Anthony and his team helped us get the purchase done when nobody else could. DSCR has changed the way I do business. Thanks Libutti Capital.”
MMichael LaVecchia
View review on Google - ★★★★★
“Specialist in the mortgage industry. This team is awesome and makes the loan process easy. Highly recommend:)”
MMichael LaVecchia
View review on Google - ★★★★★
“Was able to help us close in less than a month- compared to the last lender who was still dragging their feet after 2 months. Highly recommended and couldn’t have done it without him”
QQB Stokes
View review on Google - ★★★★★
“Good Loan!!”
RRico Banga
View review on Google - ★★★★★
“Anthony and the LiButti team were tenacious In getting this loan closed for me under difficult circumstances. I appreciate their effort and their communication throughout the process. I will definitely be considering them for our next investment property.”
RRobert Martin
View review on Google - ★★★★★
“Had a fantastic experience working with Libutti Capital! Anthony and Michael worked tirelessly to close multiple complicated loans for me on a time crunch and exceeded all expectations!”
SSabah Sohel
View review on Google - ★★★★★
“Anthony LiButti was an answer to my financial prayers. His knowledge, patience, and professionalism were indispensable. I would feel more than comfortable bringing my financial needs to Anthony again and again.”
SScott Morris
View review on Google - ★★★★★
“I am so grateful and satisfied with my experience with LiButti Capital. My team was great and they worked with me to understand every step in the process to get my load funded.Special shout out to Micheal who was always present, professional and informative. I am truly grateful!!”
TThombreka Turner
View review on Google - ★★★★★
“Michael and Anthony were fantastic! They were the most personal and knowledgeable loan officers I’ve ever dealt with. We had a messy situation, to say the least, and Michael was there every step of the way. I will never use a conventional loan provider ever again! These guys are amazing and so happy I stumbled upon them. Customer for life!”
TTony Delgado
View review on Google - ★★★★★
“A first class business that offers exceptional hands on approach to streamline the process. Easily accessible and great to work with.”
Ddonald yale
View review on Google - ★★★★★
“Awesome job! I was very pleased with their customer service, as well as their eagerness to be open and transparent throughout the loan process. I closed on a total of three loans , and I had no issues during this experience.”
Ssidney lackey
View review on Google - ★★★★★
“I had an exceptional experience with LiButti Capital for my investment property loan. From the very beginning, their team was knowledgeable, responsive, and truly professional. They understood the unique needs of real estate investors and made the entire process efficient and stress-free. Every step was clearly explained, timelines were met, and I felt supported the whole way through. If you’re looking for a lender who knows investment lending inside and out, I highly recommend LiButti Capital—they truly delivered top-notch service!”
Ssunny dhaliwal
View review on Google
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