Airbnb, VRBO, and all your profitable Short-Term Rentals

Are you aiming to acquire a new short-term rental or unlock equity from an existing one? We’re here to help!

At BNB Lending, we do things differently by focusing on the property’s income, not yours. That means no need for Tax Returns, W-2s, DTI ratios, or personal income verification when applying for a loan.

While some investors report higher returns from short-term rentals compared to long-term rentals, it's important to note that short-term rentals often require more active management and can have more variable income streams. Careful market research and financial planning are crucial for success.

 Asset Types

• Single Family Homes
• Townhomes
• Condos
• 2 - 4 Units (Duplex, Triplex, Quadplex)
• Multi-Family: 5 - 8 Units
• Mixed-Use: 2 - 8 Units
• Multi-Family: 9+ Unit

Loan Terms

Loan Sizes: $100k up to $3.5 Million (Larger loan sizes available on a case by case basis)

Purchase LTV: Up to 85%

Rate & Term Refinance LTV: Up to 80% 

Cash Out Refinance LTV: Up to 80%

Amortization: 30 Year % 40 Year Amortization Options Available

Term Lengths: 5/6 ARMs, 7/6 ARMs, 10 Year Interest Only, 30 Year Fixed & 40 Year Fixed

Floor Rate: 5.50% (subject to change daily due to market volatility)

Full Recourse with personal guarantee required for all borrowers with majority ownership (typically 20%+ or 25%+ if closing in an Entity)

DSCR Requirement: 1.00x or greater depending on loan size and property type. Sub-1.00x DSCR and NO DSCR options available.

Vesting: Lending to Individuals, LLCs, and Corporations. Trusts Allowable on a Case by Case Basis.

Average Time to Close: 14 to 35 days