Personalized Financing Solutions for Short-Term Rental Investors
Loan Options Designed for Your Airbnb Investment Goals
Why Work With a Chalet Lending Partner
Our lender partners in offer unparalleled flexibility, specializing in both Debt Service Coverage Ratio (DSCR) loans and conventional loans to meet the unique needs of short-term rental investors.
Our lending partners specialize in strategies designed for short-term rental investors. With a deep understanding of the unique challenges and opportunities in the STR market, they provide tailored loan options to help you meet your investment goals.
Debt Service Coverage Ratio (DSCR) loans are ideal for scaling your short-term rental portfolio. These loans prioritize the property's income potential, offering faster approvals, flexible terms, and repeatable financing to fuel your growth.
For those pursuing traditional investment properties, our partners offer conventional loan options. These loans provide competitive rates and predictable terms, making them a dependable choice for stable, long-term rental income strategies.
Key Differences Between DSCR and Conventional Loans for STR Investors
| Key Features | DSCR Loans | Conventional Loans |
|---|---|---|
| Approval Basis | Based on property's income potential | Based on borrower's personal income, credit, and debt-to-income (DTI) ratio |
| Typical Down Payment | 20-25% | 20-25% |
| Income Verification | No personal income verification required | Requires documentation of personal income (W-2s, tax returns, etc.) |
| Closing Speed | Faster due to streamlined underwriting | Longer due to detailed borrower documentation |
| Use Case | Scaling STR portfolios or acquiring income-focused properties | Acquiring long-term rental properties with predictable tenant income |
| Repeatability | Can be used repeatedly to grow portfolios | May face limits based on personal income or number of financed properties |
| Flexibility | Designed for STRs with variable income | More rigid, suited for stable, long-term rental income |
Ready to Secure Financing for Your STR Investment?
Connecting with our DSCR and conventional lending partners in is completely free and comes with no obligation.
Why Choose DSCR Loans for STR Investors?
When Conventional Financing Makes Sense
Testimonials
Jessica M.
"The flexibility of their lenders was unmatched. I was able to choose between a DSCR loan and a conventional loan, making it so much easier to finance my Airbnb investment."
Mike R.
"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."
Sarah T.
"I've worked with other lenders before, but none offered the expertise in both DSCR and conventional loans like they did. The process was smooth and stress-free!"
Frequently Asked Questions
Discover STR Financing Options in Other Markets
Scaling your portfolio beyond your current market? Our specialized lenders provide DSCR and conventional financing solutions across multiple markets, helping you secure competitive rates and flexible terms for your next STR investment.
States & Territories
Alaska (1)
Alabama (4)
Arkansas (3)
Arizona (9)
California (29)
Colorado (7)
Florida (47)
Hawaii (5)
Iowa (1)
Idaho (2)
Illinois (1)
Indiana (4)
Kentucky (1)
Louisiana (1)
Maryland (1)
Maine (1)
Michigan (5)
Minnesota (5)
Missouri (5)
Mississippi (1)
North Carolina (9)
New Jersey (2)
New Mexico (4)
Nevada (2)
Ohio (5)
Oklahoma (3)
Pennsylvania (6)
South Carolina (7)
Tennessee (5)
Texas (15)
Utah (2)
Virginia (3)
Vermont (1)
Wisconsin (4)
Wyoming (1)
Expanding your STR investments? Our lending partners offer market-specific expertise and can help you navigate financing options in additional high-performing locations.
Important Disclosures
Equal Housing Statement
Chalet and its lending partners comply with all Fair Lending and Equal Housing Opportunity laws. We are committed to providing equal access to financing for all individuals, regardless of race, color, religion, national origin, sex, familial status, or disability.
Privacy Statement
Your privacy is important to us. Chalet ensures that your information is only shared with the lenders you choose to connect with and is never sold or shared without consent.
Licensing Disclosure
Chalet is a licensed real estate brokerage, not a lender. All financing solutions are offered by independently operated, licensed lending partners. Chalet does not make loans or credit decisions and cannot guarantee loan approval.
General Disclaimer
Loan terms, rates, and qualifications vary by lender. All loan approvals are subject to lender underwriting and borrower qualifications.
