Short Term Rental (Airbnb) Lending

Simplified

As real estate investors and entrepreneurs, we understand how frustrating it can be to secure financing for short-term rentals when traditional lenders don’t align with your goals. That’s why we created BNB Lending—to offer investor-friendly financing solutions tailored for both short-term and long-term rentals. Ready to scale your real estate portfolio with a lender that truly understands your needs?

Let’s make it happen!

Our Process

INQUIRY

Get a quote, and we’ll assess your options to secure the most favorable rates and terms for you.

PREPARATION

BNB Lending will provide you with a clear checklist to help you gather the necessary documents, ensuring a smooth and efficient submission to the underwriting team for processing.

UNDERWRITING

After submitting your initial paperwork, your account executive will order the appraisal, and the underwriting team will begin their comprehensive review process.

FUNDING

Complete your paperwork, sign, and seal the deal!

Our Preferred Short Term Rental Lending Partner

Thinking about investing in short-term rentals but finding it tough to manage or finance? You’re not alone—many lenders don’t fully understand the unique needs of this strategy. That’s where we come in! Our specialized rental loans are designed to help investors like you succeed with Airbnb properties, VRBO rentals, and vacation homes.

Let’s make your investment vision a reality—ready to get started?

Investors looking to grow their rental and investment property portfolios need flexible financing—not a one-size-fits-all approach. We provide tailored solutions that empower you to scale on your terms.

In collaboration with our capital partners, we created a program that evaluates loan approvals based on a property's income rather than the investor’s personal finances. This eliminates the hassle of DTI restrictions and opens up endless growth opportunities. Our loan process is simple, efficient, and doesn’t require tax returns or personal income statements.

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Loan

Programs

Traditional Loans

Secure funding with tried-and-true loan options offering competitive rates and reliable terms for homebuyers and investors seeking long-term financial growth.

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Second Home Loans

Explore flexible financing options for purchasing a second home, whether for vacation, investment, or personal use. Our tailored loans make owning your ideal property easier than ever.

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DCSR Loans

Debt Service Coverage Ratio (DCSR) loans—designed to help real estate investors secure funding based on the income potential of their properties, not personal financials.

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Hard Money Loans

Secure the financing you need with hard money loans, designed for real estate investors looking for fast, straightforward funding. Based on the value of your property, offering flexibility without the complexity of traditional financing.

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Home Equity Line

of Credit

A HELOC offers a revolving credit line, allowing you to borrow, repay, and borrow again as needed. Perfect for home improvements, debt consolidation, or unexpected expenses.

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Private Financing

Leverage private financing to secure funding that fits your project’s needs, with a focus on speed, flexibility, and tailored terms.

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Short-term Rental Mortgage Loans

Tailored financing solutions to help you invest in and grow your short-term rental properties with ease. Get competitive rates, fast approvals, and expert support to make your rental business a success.

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New Construction Loans

With competitive rates and quick approvals, we provide financing designed to help you get your new construction project off the ground and completed smoothly.

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Fix-n-Flip

Turn distressed properties into desirable homes with our specialized financing for Fix-n-Flip ventures. Enjoy competitive rates and fast approval to keep your projects on track and profitable.

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We understand what matters to investors

Transparency

We keep things simple—clear communication without any confusion or unnecessary jargon. Unlike traditional banks, we avoid complicated terms and hidden fees.

Common Sense

We streamline financing by focusing on three core factors: the property’s income, your FICO score, and your liquidity. No hassle, no complicated steps—just a simple, investor-focused approach.

Versatility

We also provide financing for long-term rentals, primary residences, rehabs, remodels, construction projects, and BRRRR take-outs, designed to align with various investment strategies.

Privacy & Protection

We know that for investors, protecting assets and identity is crucial. That's why we provide corporate entity options in addition to individual solutions, offering complete protection.

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WHERE WE LEND

Lending Map

We offer lending services in all 50 states!

Unlock the full potential of your short-term rental (STR) with BNB Lending, the trusted partner for property investors. From scaling your portfolio to securing your first Airbnb, we offer customized loan solutions designed for growth. With quick approvals, competitive rates, and deep industry expertise, we make STR financing simple and hassle-free. Let BNB Lending help transform your rental goals into profitable ventures.