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Airbnb loans that qualify on rental income — not your W-2

We match you with 2–3 vetted short-term-rental lenders who underwrite on your property's cash flow. You approve every intro — no spam, no lead-list blasts.

See your lender matches
Tell us where you're buying.

Free · No credit pull · You approve every intro

Down payments from 15%DSCR & bank-statement programsNo credit pull to start
$2B+
in STR loans closed by our lender partners
All 50 states
lender coverage
~30 days
typical time to close
“The flexibility of their lenders was unmatched. I could choose between a DSCR loan and a conventional loan, making it so much easier to finance my Airbnb investment.”
Jessica M.Destin, FL
“Their lender partners truly understood the unique needs of short-term rental investors. I got a competitive loan that fit my budget and timeline perfectly.”
Mike R.Palm Desert, CA
“No spam, no ten lenders calling me at once. Chalet introduced me to a short list of top lenders who actually work with short-term rentals, and I picked from there.”
Alicia T.Asheville, NC

The kinds of lenders we match you with

Tell us your market and we'll introduce you to the programs that fit your deal.

STR-focused DSCR lender

Qualifies on the property’s rental income rather than your personal income.

DSCRcloses ~21 daysyour market

Bank-statement lender

Built for self-employed buyers who don’t have traditional W-2 documentation.

12–24 mo statementsno W-2

Second-home / conventional

Lower rates when you plan to use the property yourself part of the year.

lower ratespersonal use OK

How It Works

Three simple steps to get matched with lenders who specialize in short-term rentals — you approve every introduction.

  1. 1

    Share your market and property details

    Tell us your location, investment goals, and financing needs so we know exactly what you're looking for.

  2. 2

    We screen and match you with 2–3 lenders

    Our team hand-picks lenders who specialize in your property type and market. No auto-blasts — you approve every intro.

  3. 3

    Compare quotes, choose, and close

    Connect with your matched lenders, compare terms, and pick the best fit for your investment goals.

Why Investors Choose Chalet's Lender Network

  • Specialized STR underwriting

    DSCR, bank-statement, and second-home programs that understand seasonality.

  • Vetted lenders only

    Only STR-savvy lenders and brokers make it into our network.

  • Competitive rates

    Compare 2–3 curated matches instead of chasing a single quote.

  • Faster, cleaner closes

    Your lender gets STR data up front to reduce friction.

  • You stay in control

    Nothing happens without your approval — no spam, no lead-list blasts.

  • Data-backed matches

    Powered by Chalet market insights across 200+ markets.

Programs We Match

We connect you with lenders offering these financing options tailored for short-term rental investments.

  • DSCR loans for Airbnbs

    Qualify on property cash flow — not your W-2.

  • Bank-statement / self-employed

    Qualify with 12–24 months of statements.

  • Conventional investor

    Predictable pricing with W-2 or strong credit.

  • Second-home

    Personal use plus short-term renting.

  • Portfolio / BRRRR-friendly

    Scale across multiple doors.

  • Not sure which fits?

    Get matched and compare — your lenders will propose the right program.

Note: Chalet is not a lender or mortgage broker. We connect investors with vetted lending partners.

Frequently Asked Questions

Frequently Asked Questions

Everything you need to know about Airbnb loans.

"Airbnb loans" isn't an official loan category, but it's how many investors refer to financing for short-term rentals. These are typically DSCR loans, bank-statement loans, or second-home mortgages from licensed lenders who understand vacation rental properties.

No. We only introduce you to 2–3 carefully matched lenders, and you approve each introduction before anyone contacts you. No spam, no lead-list blasts.

No. Getting matched is free and involves no credit pull. A lender only checks your credit later in the process, with your consent, once you decide to move forward with them.

DSCR loans are designed to count STR income — they underwrite based on your property's rental income. Conventional and second-home loans vary; some count STR income with a track record, while others don't. We match you with lenders who understand and properly evaluate STR income.

Requirements range from mid-600s to 700+, depending on the program. DSCR loans may accept scores as low as 620–640 if your property cash flow is strong. Lower scores can sometimes be offset by higher down payments or additional reserves.

Lenders familiar with short-term rentals typically close in about 30 days, assuming your documentation is ready. Some can do it faster (21 days) for straightforward deals, while complex situations may take 45–60 days.

Once you're matched, your lender will request what their program needs — usually basic ID and property details, recent bank statements or income documentation, and high-level STR performance or projections (ADR and occupancy). If you're renovating, bring your improvement plans. Requirements vary by program; your matched lender provides the exact list.

We receive a standard referral fee from lenders when you successfully connect with them — similar to how real estate agents are compensated. Importantly, this fee comes from the lender's budget, not from markup on your loan. You pay the same rates and fees you would pay if you went directly to that lender.

Have questions about anything else? Visit our FAQ page →

Ready to Finance Your Next Short-Term Rental?

Tell us about your deal and we'll hand-pick 2–3 lenders who specialize in properties like yours. You approve every introduction.

Free · No credit pull · Takes about a minute

Chalet is not a lender or mortgage broker. We provide curated introductions to licensed lending partners. All credit decisions, loan terms and approval criteria are set by the lender. Your matched lender will review your individual property, credit profile, and market. Terms vary and are subject to change without notice. We never sell or broadcast your information. Partner lenders are responsible for their own NMLS licensing and disclosures.

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