🧮 DSCR? Conventional? Hybrid? Let’s Decode This.

🧮 Which Loan Is Actually Best for STR Investors?

When it comes to financing your short-term rental, there’s no one-size-fits-all solution. Different loan types serve different goals — and the right one can make or break your returns.

That’s why we’ll connect you with our vetted STR loan partner who offers all three major investor loan options — and helps you pick the one that fits your strategy best.
👉 Get Connected with our Vetted STR Loan Partner

🏡 Conventional (Second Home) Loan
✅ As little as 10% down, no prepayment penalties
❌ No STR income allowed to qualify, must be in your personal name, impacts DTI, requires mortgage insurance under 20% down

💰 DSCR Loan
✅ Qualify based on projected STR income — no DTI or tax returns needed, can hold title in an LLC
❌ Higher down payments (20–25%), sensitive to appraiser comps, higher rates if DSCR ratio is low, prepayment penalties apply

🔀 Hybrid STR Investor Loan (exclusive to a few select lenders)
✅ Blends personal + STR income, allows LLC ownership, as little as 15% down, no mortgage insurance required even under 20% down
❌ Still requires income docs and DTI like a conventional loan, 1–5 year prepayment penalties

The big takeaway?
All three loans work — the trick is knowing which one works for you.
Our vetted partner helps investors compare, qualify, and close fast on the right loan structure for their next STR.

👉 Connect with our Vetted STR Loan Partner
🔍 You’ll get personalized options based on your goals, property type, and experience level.