Airbnb and Short-Term-Rental Loans in Florida

Opportunity Mortgage Group helps Florida investors finance eligible Airbnb, VRBO and other short-term-rental properties. Financing may be available for purchases, refinances and cash-out transactions.

How Airbnb Financing Works

Many investors use a DSCR loan, which evaluates whether the property’s qualifying rental income can support its monthly housing expense. Depending on the lender, qualifying income may come from:

• Airbnb or VRBO rental history
• An appraisal rent schedule
• An approved short-term-rental analysis
• Market-rent and occupancy data

Traditional personal-income documentation may not be required for eligible DSCR programs.

What Lenders Consider

Requirements vary, but lenders generally review:

• Credit history
• Down payment or available equity
• Property value and condition
• Qualifying rental income
• Cash reserves
• Property type
• Investor experience
• Local rental regulations
• HOA or condominium restrictions

Before purchasing, investors should confirm that short-term rentals are permitted by the city, county and homeowners association. Proper licensing and insurance may also be required.

Explore Your Airbnb Loan Options

OMG works with multiple wholesale lenders offering DSCR and other Non-QM financing. We can review your property, requested loan amount, credit profile and rental documentation to identify available options.

Ready to finance or refinance a Florida Airbnb?