Unlock Explosive Growth: How Short-Term Rental Mortgages Are the Secret Weapon Top Investors Don’t Want You to Know About
What Host Financial Offers
Host Financial is one of the first lenders to specialize purely in short-term rental financing. That means their entire model is designed for STR operators. No explanation of what Airbnb is, and no convincing someone that seasonal income is still income.
Here’s what sets them apart:
- Lends in 48 States (all except for North Dakota and South Dakota)
- 15% to 25% down payments
- Minimum FICO score of 620 (though 680+ can get you better rates)
- Loan sizes from $100,000 up to several million dollars
- 30-year fixed, 40-year fixed, or interest-only options
- LLC-friendly lending (yes, you can close in your business’s name)
They’ll also accept projected income instead of requiring 12 months of past data—a game changer if you’re buying a new build or rehabbing a property to become a short-term rental.
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