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Free Short-Term Rental Loan Quote

Short Term Rental Financing

Are other lenders not understanding your short-term rental properties? Having trouble qualifying for a DSCR loan? At Uncapco, we specialize in financing Airbnb and vacation rentals. We use short-term rental income and AirDNA data to help you get the funding you need.

20%

Down Payment on Purchases

6.25%

Starting Rate

0%

Origination Fees As Low As

Program Highlights

  • Up to 80% LTV on Purchase and Refinance

  • Up to 75% LTV on Cash-Out

  • Loan Amounts from $100K to $5M

  • 30-Year Fixed Rate | Interest-Only Options Available

  • Foreign Nationals Eligible with U.S. FICO Score

  • No DTI, Pay Stubs, Personal Income, Tax Returns, or W-2s Required

  • 660 Minimum FICO

  • 15–20 Day Closings

Why work with Uncapco Financial

AirDNA-Powered Qualification

We specialize in Airbnb/VRBO—using actual short-term income data and AirDNA projections to unlock higher revenue potential than standard long-term assumptions.

True No-Income Verification

No tax returns, paystubs, W-2s, or personal income docs—100% focus on the property’s short-term cash flow for simple, fast approval.

Tailored for Vacation Rental Strategies

Full support for seasonal, year-round, or hybrid short-term models—no restrictions on listing platforms or minimum stays.

Scalable Portfolio Builder

Break-even on each property’s short-term income lets you add unlimited Airbnbs or VRBOs without personal debt or income barriers.

Speed for High-Yield Opportunities

15-20 day closings with streamlined underwriting—perfect for grabbing prime vacation markets before rates or competition shift.

Frequently Asked Questions

How do you qualify short-term rentals?

We use AirDNA data, platform history, market comps, or projected bookings to calculate income and DSCR—capturing true vacation rental performance.

What documentation is needed?

Low-doc: property info, AirDNA reports or booking data for income, and basic borrower details. No tax returns, paystubs, or W-2s required.

Can I finance a new purchase with no history?

Yes—AirDNA market data and area comps provide strong projections to qualify even brand-new short-term rental setups.

What are the rates and LTV options?

Rates start at 6.99% based on credit, LTV, and property performance; up to 80% LTV purchase/refi, 75% cash-out, with interest-only available.

How does this differ from standard DSCR?

Our Short-Term program uses specialized AirDNA/short-term income analysis for higher potential qualification, while standard DSCR leans on long-term lease estimates.

READY TO GIVE US A TRY?

Investor Financing That Actually Works for Pros Like You

Apply Today for Competitive Terms, High LTVs, and Quick Decisions – Backed by Real Experience