Airbnb Mortgage Loans in California
- 5-Star Rated Mortgage Broker in LA
- Get Finances for Your New Home
- Personalized Loan Solutions Based on Rental Income
- Open for Partnerships with Borrowers & Realtors
- Office located in Los Angeles
What type of property are you refinancing?
Single Family
Multifamily
Condominium
Townhouse
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
What type of property are you purchasing?
Single Family
Multifamily
Condominium
Townhouse
Are you a first-time home buyer?
Yes
No
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
Final Step
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Summary
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Why Airbnb Loans Are Booming in California
Financing for Airbnb properties has taken off in California, and it’s easy to see why.
High demand from travelers
Attractive to property owners
Strong Advantages for California Investors
Smart financing opportunities
How Airbnb Loans Work in California
Airbnb loans differ from traditional mortgages. Here’s how:
- Income-based approval: Lenders may use projected or actual rental income instead of W-2s or tax returns.
- Great for self-employed: A perfect for borrowers expanding into investment property loans without relying on W-2s or tax returns.
- Flexible loan types: Includes DSCR loans, no-document loan programs, and other flexible solutions for modern investors.
What Is an Airbnb Mortgage Loan?
An Airbnb mortgage is a specialized type of loan made for short-term rental properties listed on platforms like Airbnb and VRBO.
Income-Based Qualification
Unlike traditional home loans, these loans are often based on the income your property can generate as a vacation rental. That means you can qualify based on projected or actual rental income. This makes it easier for investors who are self-employed or expanding their portfolio.
Flexible Financing for Modern Hosts
Additionally, it’s a flexible solution designed for the modern host, giving you more options to finance a vacation home, purchase an investment property, or convert an existing space into a profitable rental.
Who Qualifies for an Airbnb Loan?
Airbnb mortgage lenders understand that not every borrower fits the traditional mold and that’s a good thing. While each lender may have slightly different guidelines, most will look at a few key factors:
DSCR Ratio
DSCR of at least 1.0 or higher.
Down Payment
Typically requires 15-
20% down.
Credit Score
Most lenders want 680
or higher.
Property Types
Must allow short-term
rentals.
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
Benefits of Airbnb Loans
Built for flexibility
Designed to support short-term rental growth with fewer restrictions.
Simpler approval
Often no traditional income docs needed; some offer interest-only payments.
Scale faster
Finance multiple properties at once to grow your portfolio with ease.
Get Pre-Qualified for Your Airbnb Loan Today
Airbnb financing should be simple and built around your goals.
Our loan programs are fast, flexible, and designed to help you move forward with confidence. The process is clear and straightforward, from application to approval.
Get Pre-Qualified Today
Airbnb Loans FAQs
How to get a loan for an Airbnb rental property?
You can apply through lenders that offer income-based programs like DSCR loans, which are designed for short-term rental properties. These loans often don’t require tax returns or a traditional job, just solid income potential from the property.
Can I qualify using estimated Airbnb income?
Yes. Some lenders will use projected rental income based on local market data or an Airbnb report.
What’s the minimum down payment?
It depends on the loan type, but many Airbnb-focused loans require 15% to 25% down.
Can I get approved with low credit?
Possibly. Some programs are more flexible than others. A DSCR loan or bank statement loan may work even if your credit isn’t perfect.
Are these loans available in San Diego or Ventura County?
Yes. We offer financing across California, including San Diego, Ventura, and surrounding areas.
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