Short Term Rental Lending, Simplified
BNB Lending – Airbnb & STR Loans for Investors
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!
Questions?
We’ve got answers.
Whether you’re navigating your first short-term rental investment or scaling your portfolio, our BNB Lending team is here to guide you every step of the way. From pre-approval to closing, we simplify the lending process, fast, and tailored to your goals.
Let us know how we can help—your next investment is just a conversation away.
Our Process
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 dedicated account executive will order the appraisal, and the underwriting team will begin their comprehensive review process.
FUNDING
Complete your paperwork, finalize the required documents, sign the agreement, and seal the deal with confidence and ease! Your funding will be released shortly after without delay.
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 short-term 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.
This structure gives investors a practical advantage in the modern market, especially those pursuing Airbnb investment opportunities or managing multiple term rental properties. By streamlining approvals around the asset itself, we help you secure funding that matches both your strategy and timeline.
Loan Programs
Secure funding with tried-and-true loan options offering competitive rates and reliable terms for homebuyers and investors seeking long-term financial growth.
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.
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.
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.
A HELOC provides flexible, revolving credit—borrow, repay, and reuse as needed. Ideal for home renovations, debt consolidation, or surprise expenses, all while leveraging the equity in your home for ongoing access to funds.
Leverage private financing to access fast, flexible funding tailored to your project’s needs. Ideal for real estate investors, it offers quicker approvals and terms designed to match your investment strategy. Get capital fast—no red tape.
Tailored financing solutions to help you invest in and grow your STR properties with ease. Get competitive rates, fast approvals, and expert support to make your rental business a success.
With competitive rates and quick approvals, we provide financing designed to help you get your new construction project off the ground and completed smoothly, on time, and within budget.
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.
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.
Short-Term Rental Loans, Simplified
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.
How to qualify
To obtain a quote, we will need the following information:
Property Value and
Purchase Price
Down Payment
Amount
Credit Score
Frequently Asked Questions
What do I need to qualify for a short term rental loan?
Qualifying for a short term rental loan mainly comes down to three things: a strong property, income potential that supports the payment, and enough liquidity to close. Because we’re investors ourselves, we focus on real estate fundamentals instead of unnecessary paperwork.
We look at the property’s projected income, local market performance, and whether the term rental can deliver dependable cash flow. This works well for investors buying new properties or improving existing rental properties.
Our capital partners allow us to approve deals without tax returns or personal income statements. If you want a company that understands short-term rentals, we make it straightforward to move forward.
Can I get a rental loan based on property income?
Yes. Our rental loan structure is built around property income instead of your personal finances. This gives investors access to financing based on real estate performance, not red tape.
We analyze income projections, market demand, and rental performance to determine eligibility. Short-term rental stability plays a major role, and the property’s ability to cover the payment is a key factor.
Whether you’re financing your first property or expanding into multiple rentals, this model gives you more control and makes strong investment opportunities achievable.
How does BNB Lending evaluate an Airbnb investment?
When we evaluate an Airbnb investment, we review projected income, STR performance in the surrounding market, and how the term rental fits your overall strategy. As investors ourselves, we underwrite the deal the same way we would underwrite our own properties.
We look at occupancy trends, comparable rentals, income history, and how well the property can perform as both a short-term and long-term investment. That gives us a clear view of stability and long-term value.
This approach helps our clients secure financing that aligns with their real estate goals and supports long-term growth, whether they’re entering the vacation rental space or scaling an existing portfolio.
Don’t see your question answered here?
We’re here to help. Fill out our contact form and we will get back to you with more information.
