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Airbnb Loans & Short-Term Rental Financing in Ithaca, NY

Tell us about your deal and we'll match you with lenders who specialize in short-term rental financing in Ithaca, NY — no spam, no lead-list blasts.

Down payments starting at 15%
No credit pull to get matched
No spam, ever

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.

$200M+
in STR assets connected
All 50 states
lender coverage
~30 days
typical time to close

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.

“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.”
JMJessica 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.”
MRMike R.Palm Desert, CA

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 in Ithaca, NY?

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.

Discover Airbnb Loans & 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.

Alaska (1)

Anchorage

Alabama (4)

Birmingham, Gulf Shores, Montgomery, Orange Beach

Arkansas (3)

Hot Springs National, Hot Springs, Little Rock

Arizona (9)

Chandler, Flagstaff, Lake Havasu City, Mesa, Phoenix, Scottsdale, Sedona, Tempe, Tucson

California (30)

Big Bear Lake, Big Bear, Carlsbad, Coachella, Desert Hot Springs, Desert Palms, Dillon Beach, Encinitas, Hollywood, Indio, Joshua Tree, La Quinta, Lake Arrowhead, Long Beach, Los Gatos, Mammoth Lakes, Marin County, Mendocino, Newport Beach, Oceanside, Palm Desert, Palm Springs, San Diego County, San Diego, Santa Cruz, Sonoma, South Lake Tahoe, Truckee, Twentynine Palms, Yucca Valley

Colorado (7)

Breckenridge, Denver, Dillon, Keystone, Snowmass Village, Steamboat Springs, Vail

Florida (47)

Bradenton Beach, Bradenton, Cape Coral, Cape Coral, Clearwater, Clermont, Davenport, Daytona Beach, Destin, Fort Lauderdale, Fort Myers, Fort Walton Beach, Gainesville, Gulf Breeze, Gulf Breeze, Hollywood, Indian Rocks Beach, Jacksonville, Key Largo, Key West, Kissimmee, Laguna Beach, Lake Worth, Marco Island, Miami Beach, Miami, Miramar Beach, Naples, Orlando, Palm Beach, Palm Beach, Palm Coast, Panama City Beach, Pensacola, Pompano Beach, Santa Rosa Beach, Sarasota, Seaside, Seminole, St. Augustine, St. Petersburg, St. Petersburg, Tallahassee, Tampa, Tavernier, Venice, West Palm Beach

Georgia (6)

Athens, Atlanta, Augusta, Blue Ridge, Jasper, Savannah

Hawaii (5)

Honolulu, Kailua Kona, Kihei, Lahaina, Oahu

Iowa (1)

Cedar Rapids

Idaho (2)

Boise, Island Park

Illinois (1)

Chicago

Indiana (4)

Bloomington, Fort Wayne, Indianapolis, South Bend

Kentucky (1)

Lexington

Louisiana (1)

New Orleans

Maryland (1)

Ocean City

Maine (1)

Portland

Michigan (5)

Ann Arbor, Detroit, Grand Rapids, South Haven, Traverse City

Minnesota (5)

Baxter, Brainerd, Duluth, Minneapolis, Saint Paul

Missouri (5)

Branson, Kansas City, Lake Ozark, Osage Beach, St. Louis

Mississippi (1)

Oxford

Montana (2)

Big Sky, Bozeman

North Carolina (9)

Asheville, Banner Elk, Boone, Charlotte, Greensboro, Henderson, Raleigh, Wilmington, Winston-Salem

New Jersey (2)

Atlantic City, Newark

New Mexico (4)

Albuquerque, Angel Fire, Santa Fe, Taos

Nevada (2)

Las Vegas, North Las Vegas

New York (6)

Buffalo, Catskill, Hudson, Ithaca, Jersey City, Rochester

Ohio (5)

Cincinnati, Cleveland, Columbus, Dayton, Logan

Oklahoma (3)

Broken Bow, Oklahoma City, Tulsa

Oregon (2)

Bend, Eugene

Pennsylvania (6)

East Stroudsburg, Lake Harmony, Philadelphia, Pittsburgh, Poconos, Tobyhanna

South Carolina (7)

Columbia, Folly Beach, Hilton Head, Mount Pleasant, Myrtle Beach, North Charleston, Surfside Beach

Tennessee (5)

Gatlinburg, Memphis, Nashville, Pigeon Forge, Sevierville

Texas (15)

Arlington, Austin, Corpus Christi, Crystal Beach, Dallas, El Paso, Fredericksburg, Frisco, Galveston, Houston, Irving, PLano, Port Aransas, San Antonio, South Padre Island

Utah (2)

Park City, Saint George

Virginia (3)

Hampton, Norfolk, Virginia Beach

Vermont (1)

Burlington

Washington (2)

Seattle, Spokane

Wisconsin (4)

Green Bay, Madison, Milawakuee, Milwaukee

Wyoming (1)

Jackson

Expanding your STR investments? Our lending partners offer market-specific expertise and can help you navigate financing options in additional high-performing locations.

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Airbnb Loans & DSCR Financing Options in Ithaca, NY