Airbnb Loans Tailored For You

Rabbu's partner theLender provides short term rental financing and DSCR programs that meet your needs "Partner with theLender for your investment property financing and unlock a range of tailored options, exclusive for short-term real estate investors. Together, we make your investment goals achievable."

Why work with theLender?

Funded over $3 billion in investment property loans in just three years.

In just three years, we've surpassed $3 billion in investment property loans, demonstrating our expertise and commitment. Join the ranks of satisfied investors who've trusted us to fuel their ambitions.

Innovative loan programs built to finance investment properties.

Unlock the potential of your next venture with our cutting-edge loan programs, meticulously crafted for the discerning investment property enthusiast.

Cut out the middle man for your next investment property purchase or refinance.

Go direct and keep more in your pocket! By eliminating intermediaries in your investment property financing, you can achieve significant savings and enjoy a streamlined process. Make the smart choice for your next purchase or refinance.

Ranked among the nation's fastest-growing mortgage firms by

Recognized by among the nation's rapid risers in the mortgage landscape, our dedication to investors is both proven and dynamic. Partner with a trusted leader and propel your property ambitions to new heights.

Our quick closing process will help you stay ahead of the competition.

Gain the edge in the investment game with our swift closing process. Ensure timely acquisitions or refinances, and always be a step ahead of your competitors.

Smooth lending experience with all the perks of conventional loans, minus the complications

Experience streamlined lending tailored for investors. Dive into the benefits of traditional loans, seamlessly delivered without the usual hurdles, and watch your property ambitions flourish.

Your STR-specific DSCR Loan Options


Ideal for vacation rentals. If your rental income covers or surpasses the mortgage payment, you qualify. Competitive rates included.


Lower down payments, better terms when your rental income meets or exceeds a 1.25% DSCR.

Self-Employed Bank Statement Loans

Based on 12 or 24 months of your bank statements, this option is perfect for self-employed investors, bypassing the need for W-2s, tax returns, or pay stubs.

Unique Features of theLender's STR Investor Financing

  • No Personal Income requirements
  • Qualify using Rabbu data
  • 15% Downpayment Options
  • Up to 20 acres (More available by exception)
  • Rural properties
  • 6% Seller Concessions
  • Purchase, R/T Refinance or Cash-Out
  • Unlimited Financed Properties
  • Non-Warrantable Condo's
  • 1-8 Units
  • FICO 620+
  • Title in LLC, S-Corp, C-Corp, or Trust

Positive experiences shared by our clients

"I had an amazing experience working with theLender for my self-employed loan. Their team understood the unique challenges I faced as a freelancer and guided me through the entire process. Thanks to their expertise, I secured a competitive interest rate and obtained the financing I needed for my dream home. Highly recommended!"

Martha S.

Past Customer

"Choosing theLender for my self-employed loan was the best decision I made. They simplified the application process by relying on my bank statements rather than tax returns or W-2s. The team was professional, responsive, and went above and beyond to ensure a smooth and efficient loan approval. I am grateful for their excellent service."

Louis C.

Past Customer

"Working with theLender for my self-employed loan was a breath of fresh air. From the initial consultation to the closing, their team was attentive, knowledgeable, and supportive. They understood the intricacies of my self-employment income and used my bank statements to qualify me without the usual paperwork hassle. If you're self-employed and need a loan, theLender is the way to go!"

Roger W.

Past Customer

FAQs about Airbnb loans

How does Rabbu's partnership with theLender benefit Airbnb property investors?

Our collaboration with theLender empowers Airbnb investors with specialized financing options. Leverage Rabbu data to qualify for loans uniquely tailored for short-term rental properties, enhancing your investment potential.

What is a DSCR loan and how is it relevant to Airbnb investors?

DSCR, or Debt Service Coverage Ratio loan, is a type of financing where loan eligibility is based on the property's cash flow rather than personal income. This is particularly advantageous for Airbnb investors, as it considers the rental income potential of the property.

Can I use Rabbu data to qualify for a DSCR loan with theLender?

Absolutely. Rabbu data plays a crucial role in demonstrating the revenue-generating potential of your Airbnb property, which is key in qualifying for a DSCR loan through theLender.

Are these loan options available for refinancing existing Airbnb properties?

Yes, our partnership with theLender also covers refinancing options. Whether you're looking to improve loan terms or cash-out, you can refinance your existing Airbnb property with a DSCR loan.

Why don’t most regular banks provide financing for short-term rental properties?

Traditional banks often shy away from financing short-term rental properties due to the variable nature of rental income. However, theLender, in partnership with Rabbu, recognizes the value and potential of Airbnb properties and offers tailored loan solutions.

What other benefits do Rabbu and theLender provide for Airbnb property financing?

Our combined expertise in the Airbnb market offers you competitive loan terms, insights into market trends, and the confidence to invest with a comprehensive understanding of your property's financial potential.

What are the down payment requirements for Airbnb property loans through Rabbu and theLender?

For loans on Airbnb properties through our partnership with theLender, the typical down payment requirement is just 15%. This competitive rate makes it easier for investors to enter the short-term rental market.

Is a personal guarantee required for these Airbnb investment loans?

No, there is no need for a personal guarantee when securing a loan for your Airbnb property with Rabbu and theLender. This feature offers additional peace of mind and financial security for our investors.

Can first-time investors qualify for loans on Airbnb properties?

Yes, first-time investors are welcome to apply for loans. Our partnership with theLender is designed to accommodate new and seasoned investors, with Rabbu data aiding in the qualification process.

What are the typical loan terms for Airbnb property financing?

Loan terms can vary, but they are generally competitive and designed to meet the specific needs of short-term rental property investors. We encourage you to connect with theLender for detailed information tailored to your investment.

How can Rabbu help me estimate the potential income of an Airbnb property?

Rabbu provides robust data analytics tools to estimate potential rental income for Airbnb properties accurately. This data is instrumental in the loan qualification process and helps investors make informed decisions.

How do I start the loan process for my Airbnb investment with Rabbu and theLender?

Getting started is simple. Just schedule a call with theLender team using the link below and their team will make the process as simple as possible.

Equal Housing Opportunity NMLS #133519 For current licenses, visit Hometown Equity Mortgage, LLC, DBA. theLender, 25531 Commer-centre Dr #250., Lake Forest, CA 92630. All loans must meet Hometown Equity Mortgage's underwriting guidelines. Loans made or arranged pursuant to the California Financing Law. 09.2021 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

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