Investment property financing
Airbnb & Short-Term Rental Loans
Explore investment-property financing for short-term rentals, including revenue evidence, operating costs and property-specific underwriting.
Property income drives qualification
Rental financing is underwritten on property cash flow rather than employment income. Monthly DSCR is rent divided by principal, interest, taxes, insurance and HOA payments. Curlee’s published minimum is 1.0, with lower ratios considered case by case. No tax returns or employment verification are required.
Structure matters
Curlee can review market rent or documented short-term rental revenue depending on the market. Provide operating history where available, management costs and occupancy assumptions. Check local licensing, HOA rules and restrictions independently.
Stress-test the payment
Model a lower rent, higher insurance cost and a period without bookings or tenants. A longer amortization period reduces required principal payments but does not remove operating risk. Confirm rate, leverage and prepayment terms in writing.
Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor.
DSCR Rental: published program terms
| Term | 30-year fixed, 5/1 and 7/1 ARM available |
|---|---|
| Rate | Call for today's pricing |
| Max LTV | Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor. |
| Minimum DSCR | 1.0 (sub-1.0 considered case by case) |
| Minimum FICO | 660 |
| Minimum asset value | $100,000 |
| Income verification | None — property cash flow only |
| Entity | LLC or personal, unlimited properties |
| Prepayment | Step-down options, including zero-prepay pricing |
The big platforms qualify properties. We fund investors.
Pre-approval in minutes. No hard credit pull. A real underwriter on the other end.
Pre-approval is an estimate based on the information provided and is not a commitment to lend.