What types of business funding does Surge Financial offer?

Surge Financial offers SBA loans, business lines of credit, equipment financing, working capital loans, revenue-based financing, and invoice factoring. We help businesses secure $10K to $5M in funding.

What real estate financing options are available?

Surge Financial provides DSCR loans, hard money loans, bridge loans, fix-and-flip financing, ground-up construction loans, and portfolio loans for real estate investors in all 50 states.

How fast can I get approved for funding?

Most approvals take 24-48 hours. We offer no hard credit pull pre-qualification and no upfront fees. Contact us at 954-787-4348 to get started.

Do I need perfect credit to qualify?

No. We work with borrowers across the credit spectrum. Many of our financing options including hard money and DSCR loans are asset-based, meaning the property or business revenue matters more than your personal credit score.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal tax returns. It is ideal for real estate investors who want to finance rental properties.

What is Surge Financial?

A streamlined financial platform providing fast, transparent funding solutions and financing options designed to help businesses scale with ease and efficiency.

How do lenders calculate income for short-term rental DSCR loans?

Most STR-focused DSCR lenders use one of two methods: (1) actual rental income from the past 12 months from your Airbnb/VRBO dashboard, or (2) market rent analysis from platforms like AirDNA that estimate what the property should generate as a STR in that market. Properties without rental history can still qualify using the market analysis approach.

Does the property need to already be operating as an Airbnb to qualify?

No — new acquisitions can qualify using projected STR income based on market data. However, lenders may require a higher down payment (25–30%) for properties without established rental history.

Are there restrictions on which markets qualify for STR loans?

Some lenders apply overlays in markets with strict STR regulations or high vacancy risk. Popular vacation markets like Florida, Arizona, the Smoky Mountains, and coastal areas generally qualify well. Our team will advise on lender availability in your target market.

Can I cash-out refinance my Airbnb property?

Yes. Cash-out refinancing using STR DSCR products is available for properties with established rental history. You can pull equity to fund additional acquisitions without selling the property.

Can I finance a short-term rental with a conventional loan?

Some conventional and non-QM lenders will finance a short-term rental on a 30-year term, especially with strong credit and reserves. Most traditional lenders require a long-term lease, so STR investors typically use DSCR or bank statement programs that accept Airbnb and VRBO income directly.

How does STR DSCR underwriting work in Florida markets like Orlando and Tampa?

In Florida markets such as Orlando, Tampa, and Miami, STR DSCR lenders use AirDNA market rent or 12 months of Airbnb and VRBO statements to calculate coverage. Because short-term rental income in these markets often exceeds long-term rents, investors frequently qualify at a higher DSCR and can cash out equity to expand.

Real Estate FinancingShort-Term Rental Loans: Financing for Airbnb and VRBO Investment Properties

Short-Term Rental Loans: Financing for Airbnb and VRBO Investment Properties

Financing for Airbnb and VRBO properties, with specialized DSCR programs that accept STR income. No W-2 required. Nationwide coverage.

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Airbnb & VRBO

Accepted

STR Income

Qualifying

30-Year Terms

Available

50 States

Coverage

Overview

Financing Short-Term Rental Loans: Financing for Airbnb and VRBO Investment Properties

Short-term rental properties have transformed the real estate investment landscape, but not every lender knows how to underwrite them. Surge Financial advises on short-term rental financing and STR mortgage programs that use actual Airbnb or VRBO rental income to qualify the loan. Specialized DSCR underwriting for STR uses AirDNA market rent or 12 months of platform statements to size coverage, with no W-2 or personal tax returns required. For investors who prefer conventional options, bank statement and non-QM programs offer 30-year terms on short-term rental property loans. We work in high-demand vacation markets including Orlando, Tampa, and Miami, where short-term rental income routinely exceeds long-term lease rates. Whether you are acquiring your first Airbnb, cashing out a VRBO to expand, or converting a BRRRR property into a short-term rental, our advisors structure financing around your actual numbers.

Loan Programs

Available Financing Options

Loan programs available for Short-Term Rental Loans: Financing for Airbnb and VRBO Investment Properties properties.

DSCR Loans (STR-Specific)

Specialized DSCR programs accept short-term rental income from Airbnb, VRBO, Furnished Finder, and other platforms. Qualification based on actual rental history or market STR income analysis.

Bridge Loans

Acquire the property quickly with a bridge loan, set it up as a STR, build rental history, then refinance into a DSCR product.

Non-QM / Bank Statement

For investors who prefer to qualify on personal income but whose income is self-employment or business-based.

Why Surge

Why Investors Choose Surge Financial

No upfront fees. Asset-based lending options. A specialist who moves at the speed real estate requires.

5 days

Fastest close time

80%

Max LTV available

Upfront fees

All 50

States covered

Eligibility

Typical Loan Parameters

General guidelines for Short-Term Rental Loans: Financing for Airbnb and VRBO Investment Properties financing. Every deal is evaluated on its own merits. Contact us to discuss your specific situation.

Check Eligibility. No Fees.

DSCR (STR)

Loan Amount

$75K–$3M

Terms

30 years

LTV

Up to 80%

Income Requirement

STR rental income only

Bridge

Loan Amount

$100K–$5M

Terms

12–24 mo

LTV

Up to 75%

Income Requirement

Asset-based

Non-QM

Loan Amount

$150K–$3M

Terms

30 years

LTV

Up to 80%

Income Requirement

Bank statements or self-emp

Best For

Who This Is For

These programs are designed for specific investor profiles. Find the scenario that matches your situation below.

Investors purchasing a property specifically to operate as an Airbnb or VRBO

STR DSCR programs qualify on actual short-term rental income using market data from platforms like AirDNA, with no W-2 or personal tax returns required to close.

Existing short-term rental owners who want to cash-out refinance and expand

If you already have an operating STR with rental history, a cash-out DSCR refinance lets you pull equity out and redeploy it into your next acquisition.

Self-employed investors who prefer to qualify on rental income rather than personal income

STR DSCR programs remove the personal income documentation requirement entirely, making them ideal for entrepreneurs and business owners whose taxable income does not reflect actual earnings.

Investors in high-demand vacation markets where STR income exceeds long-term rental rates

When STR income produces a stronger DSCR than a standard lease would, a specialized STR program often unlocks higher leverage and better terms.

BRRRR investors who plan to convert a renovated property into a short-term rental

Use a bridge or hard money loan to acquire and renovate the property, establish it as a functioning STR, build rental history, then refinance into a 30-year DSCR product.

Related Guides

Keep Reading

DSCR Loans Meaning What Is a DSCR Loan?Rental Property Financing Guide

FAQ

Common Questions

Finance Your Short-Term Rental Loans: Financing for Airbnb and VRBO Investment Properties Property

No upfront fees. No hard credit pull. Tell us your deal and we will tell you what is possible.

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