Finance your Airbnb, VRBO, or vacation rental property using projected short-term rental income. At Convoy Home Loans, we help real estate investors and entrepreneurs in San Diego, El Segundo, and across California secure financing for short-term rentals by leveraging powerful market data from AirDNA and professional rental surveys.
Short Term Rental (STR) Loans are specialized investor mortgages that qualify borrowers based on the property's projected performance as a short-term rental rather than the borrower's personal income or W-2s.
Lenders use reliable third-party data sources such as AirDNA market projections or professional short-term rental surveys to underwrite the loan. This allows investors to purchase or refinance high-performing Airbnb and vacation rental properties even with limited personal income documentation.
"Short Term Rental Loans - Qualified off of short term rental survey or AIRDNA data."
Use AirDNA projections or rental surveys instead of personal tax returns.
Ideal for jumbo and luxury short-term rental properties in premium San Diego locations.
Perfect for purchasing or refinancing income-producing vacation homes.
Minimal reliance on personal income verification.
Pull equity from existing STRs based on projected performance.
Access fixed-rate and adjustable options tailored for investors.
AirDNA provides accurate occupancy, ADR (average daily rate), and revenue projections.
In high-demand tourist markets like San Diego, this approach can dramatically improve approval odds and loan sizing.
Typically 0.5%-1.25% higher than owner-occupied loans due to investment risk.
Often 15-25%+ depending on the lender and property.
Approval and terms rely heavily on market data and location.
Lenders account for fluctuating occupancy in vacation markets.
Must meet short-term rental licensing and zoning rules in your area.
These loans are ideal for:
✓ Real estate investors building or expanding an Airbnb portfolio
✓ Buyers targeting vacation rental properties in San Diego, Coronado, La Jolla, or Mission Beach
✓ Experienced hosts looking to scale with new properties
✓ Investors with strong credit but irregular personal income
✓ Those purchasing turnkey or renovation-ready STR properties
✓ High-net-worth individuals using creative financing alongside AirDNA data
We analyze the target property and run AirDNA or survey-based projections.
AirDNA provides detailed revenue, occupancy, and ADR estimates for comparable properties.
Lender qualifies the loan primarily on the property's projected debt service coverage ratio (DSCR).
Standard appraisal plus review of short-term rental potential.
Fund your new short-term rental investment with confidence.
We work with specialized lenders who understand the unique dynamics of the short-term rental market.
Loan Type | qualification basis | best for | rate level | down payment |
|---|---|---|---|---|
Short Term Rental (AirDNA) | Projected STR Income | Airbnb / Vacation Rentals | Moderate-High | 15-25%+ |
DSCR / Investor X | Long-Term Rental Cash Flow | Traditional rentals | Moderate | 15-25% |
Conventional Investment | Personal Income + Assets | Primary + Investment | Lower | 15-25% |
Creative / Bank Statement | Self-Employed Documentation | Business owners | Moderate | 10-20%+ |
As a nationally licensed mortgage broker (NMLS #2130517) with offices in San Diego and El Segundo, we maintain strong relationships with lenders experienced in AirDNA-qualified short-term rental financing. Our mission is to provide financing options that enhance your standard of living while treating you like family.
We help investors maximize their short-term rental portfolio potential with data-driven strategies and fast closings.
Ready to finance your next profitable short-term rental in San Diego? Get pre-approved today using AirDNA projections - no obligation.
Lenders use AirDNA market data and projections (occupancy, daily rates, revenue) to qualify the loan instead of your personal income.
Yes - many programs qualify new purchases purely on AirDNA or survey projections for the specific property and market.
Absolutely - we frequently finance high-value short-term rentals in premium San Diego areas.
We use your liquid assets (stocks, bonds, bank accounts, retirement funds, crypto, etc.) to help qualify you for the loan.
Yes - these programs are designed specifically for investment and vacation rental properties.
Yes - we are licensed in many states and can assist investors nationwide where permitted.
Real Estate Investor Lending · NMLS #2130517 · Licensed Mortgage Broker
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This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.