• Maximize Your Investments

Short Term Rental

Secure flexible, investor-focused financing designed for Airbnb and VRBO properties. Our DSCR loans offer quick approvals and dependable terms, making it easier to expand your portfolio or refinance your vacation rentals. Fill out the form below to get started.

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650-200-2304
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Up to
6.625%
Rates From*
80%
LTV
10-14
Day Close
30, 40yr
I/O Option
$100k up to $3M

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Why Choose Our Short-Term Rental Loans?

LiButti Capital’s Short-Term Rental (STR) loans are specifically designed for investors with income-generating properties on platforms like Airbnb and VRBO. By leveraging rental income potential, our loans offer a streamlined path to funding, empowering you to expand your portfolio and maximize your rental income.

With LiButti Capital, you’ll benefit from quick access to capital, allowing you to seize new opportunities and efficiently manage your property investments.

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650-200-2304
  • Tailored for Real Estate Investors

Are We a Good Fit?

Our Long-Term Rental loans, structured as DSCR products, are tailored for investors focused on generating consistent income from rental properties. To qualify, you’ll need:

Qualifications for Short-Term Rental Lending

  • Experience

First Time Investor OK

  • Credit Score

Minimum of 660

  • Liquidity/Reserves

15% down payment with 3 months of reserves.

  • Property Type

Single-family homes (SFR), condos, townhomes, or 2–4 unit residential properties.

  • Loan-to-Value (LTV)

Financing available up to 85% of property value.

  • Additional Requirements

Non-owner-occupied properties, no seasoning requirement, blanket loan options available, and rural properties accepted.

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650-200-2304

DSCR Calculator

Debt Service Coverage Ratio (DSCR) is calculated as Monthly Rent divided by Total Expenses (P&I + other expenses).

  • Key Loan Terms for Real Estate Investors

STR 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:
3mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Rate:
6.625%
Loan-to-Value LTV:
80% LTV | 1x DSCR | 700 FICO
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 4 Units
Apply Now
650-200-2304

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.
  • Dependable Partners: At LiButti Capital, transparency and trust are at the core of everything we do.
  • 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.
Apply Now
650-200-2304