Maximize Your Investments
Short-Term Rental
Secure flexible, investor-focused financing designed for short-term rental properties. Our DSCR-based loans prioritize rental income performance, offering efficient approvals and flexible terms to support portfolio growth or refinancing. With a streamlined process, we make it easier to scale your vacation rental investments. Complete the form below to get started.
UP TO
75%
LTV
10-22
DAY CLOSE
30/40yr
I/O OPTION
$100K UP TO $3M
Apply Now!
Short-Term Rental
Why Choose Our Short-Term Rental Loans?
Short-term rental loans are designed for investors generating income through platforms like Airbnb and VRBO. Built around property cash flow, these loans offer a simplified path to funding without traditional income documentation. Whether expanding your portfolio or refinancing an existing property, our short-term rental loans provide fast access to capital so you can maximize rental income and seize new opportunities.
DSCR Calculator
Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).
Tailored For Real Estate Investors
Are We A Good Fit?
Our short-term rental loans, structured as DSCR financing, are ideal for investors focused on vacation rental income. To qualify, you’ll need:
Experience
First time investor allowed
Credit Score
Minimum of 660.
Liquidity/Reserves
20% Down, 6 Months Reserves
Property Type
SFR, Condo, Townhome, 1–4 Units
Additional Requirements
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Get Started
Apply Now
Begin your Journey today!
Key Loan Terms for Real Estate Investors
Short Term Loan Highlights
Transparent and Investor-Focused Loan Terms
Product Type
Short Term Rental
Experience Required:
First Time Investor OK
Minimum Credit Score:
660
Liquidity:
20% Down
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Loan-to-Value LTV:
75%
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–4 Units
Loan Amount Min:
$100k
Loan Amount Max:
$3M
Product Specifics:
Non-Owner-Occupied, No Seasoning
Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units
Our Core Values: What Makes Us Different
Simplified Process:
Financing should be easy. We offer a seamless experience so you can focus on growing your portfolio.
Quick Turnarounds:
Timing matters. We close deals in 10–14 days, helping you capitalize on opportunities without delay.
Tailored Expertise:
Our team understands the nuances of vacation rental investments, offering solutions that align with your goals.
Where We Lend
States We Lend In
Looking for financing in a state not listed? We lend in additional states on a case-by-case basis. Contact us to discuss your deal and available options.
Meet The Leader
Fast. Flexible. Funded.
Investa Funding was built from firsthand experience, not theory. As a South Florida real estate investor, I’ve been on both sides of the table: evaluating deals, moving under tight timelines, and dealing with lenders who couldn’t execute when it mattered most.
That experience shaped a clear philosophy: investor financing should be fast, direct, and built around the asset, not unnecessary red tape. This platform was created to deliver reliable hard money and short-term capital for acquisitions, renovations, and bridge scenarios, with a focus on speed, clarity, and execution.
This isn’t transactional lending. It’s a long-term, investor-first approach built by someone who understands the market, the risks, and the importance of getting deals done right.
Fast closings. Minimal red tape. Maximum results.
I’ve worked with multiple lenders over the years, and this was by far the smoothest process. Clear communication, no surprises, and they moved quickly when timing mattered. Highly recommend for serious investors.
Traditional banks couldn’t make sense of my rental income. These guys actually understand investors. They closed my DSCR loan fast, no headaches, and the terms were exactly what they promised. I’m already lining up my next deal.
I felt confident from the first call. They explained the numbers clearly, respected my time, and delivered exactly what they said they would. If you’re investing in real estate, this is the kind of lender you want on your side.
