Personalized Financing Solutions for Short-Term Rental Investors
Loan Options Designed for Your Airbnb Investment Goals in Tampa, FL
Why Work With a Chalet Lending Partner
Our lender partners in Tampa, FL 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.
Investor-Focused Lending
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.
DSCR Options
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.
Conventional Loans
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.
Connected Investors With100M+in Short-Term Rental Assets
Short-Term Rental PartnersAll 50 states200+ Markets
Analyzing1M+Short-Term Rentals
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 |
Want to evaluate your property's DSCR? Try our DSCR Calculator.
Ready to Secure Financing for Your STR Investment?
Connecting with our DSCR and conventional lending partners in Tampa, FL is completely free and comes with no obligation.
Why Choose DSCR Loans for STR Investors?
• Easier Qualification: Approvals focus on the property's income potential, not your personal financials. Use our DSCR Calculator to evaluate your property's potential qualification.
• Quick Closings: Streamlined underwriting accelerates approvals, helping you secure properties faster.
• Flexible Terms: Competitive rates, low down payments, and adjustable terms cater to STR-specific needs.
• Repeatable for Growth: DSCR loans can be used repeatedly, enabling you to scale your STR portfolio efficiently.
When Conventional Financing Makes Sense
• Primary Residence Loans (House-Hack): Perfect for investors planning to live in one unit of a property while renting out others to generate income.
• Second Home Loans: A great option for those seeking to purchase a vacation property that combines personal use with short-term rental income.
• Investor Loans: Designed for traditional income properties, these loans provide predictable terms for long-term rental investments. For investors choosing the conventional path, most will rely on an investor loan to build their portfolios, leveraging personal income and credit to finance rental properties.
Testimonials
✓ Verified
Jessica M.
Destin, FL
"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."
5.0
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Mike R.
Palm Desert, CA
"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."
5.0
✓ Verified
Sarah T.
Gulf Shores, AL
"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!"
5.0
Frequently Asked Questions
