Host Financial: Loans Built for Short-Term Rentals

Host Financial is a leading vacation rental financing provider, offering loan products specifically tailored to short-term rental investors. Whether you’re purchasing a new Airbnb/Vrbo property, refinancing, or scaling your portfolio, Host Financial delivers flexible, fast funding designed around your property’s income—not just your personal finances.

Why RedAwning Partners with Host Financial

Host Financial specializes in DSCR-based lending that evaluates your projected rental income rather than requiring traditional income verification. This allows investors to qualify more easily and close deals quickly—without W2s or employment history.

How to Qualify

To qualify for a loan with Host Financial, you’ll need:

12+ months of actual short-term rental income
Projected short-term rental income
Market rental data from reliable sources
Asset Types Supported:
Loan Terms:
Single-family homes
Loan amounts up to $8,000,000
Townhomes
Up to 80% loan-to-value (LTV)
Condos
No BTI (borrower total income) calculation
No W2 or income verification
Loan closing in 2–3 weeks

What Makes Host Financial Unique

Dedicated solely to short-term rental financing
Transparent DSCR loan process
Industry expertise in STR markets and investor needs
Competitive terms with high-speed approvals
Strong customer support and client satisfaction

Hear what our hosts have to say about RedAwning

Host Financial’s process was fast and efficient. We had a loan approved quickly and were able to close on our dream STR in under 30 days.
Jim K., STR Investor
The team at Host made it easy to scale our portfolio. They understand short-term rentals better than any lender we’ve worked with.
Whitney B., Multi-Property Host

FAQ

What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan allows you to qualify based on projected rental income. It’s ideal for STR investors who don’t want to rely on W2 income or tax returns.
Can I get pre-approved for a loan?
Yes. You can pre-qualify based on projected income, property details, and STR market comps.
What types of properties qualify?
Most single-family homes, townhomes, and condos used as vacation rentals are eligible.
How long does it take to close?
Most loans close in 2–3 weeks, depending on property and documentation.