Short-Term Rental

Short-Term Rental

Alternative to Bank

A program for investment single family properties (1-4 units) where repayment is to be supported by cash flow from short-term rental operations. Specialized product for when traditional rental loan requirements don't apply to a short stay property.

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The short-term rental program can open the door to aquiring properties that are not eligible for traditional bank financing or long-term rental loans. The short-term rental history of 12-months can satisfy the requirements for funding.

Loan Size $150,000 – $5,000,000
LTV Max Up to 80%
Rates 5.5%+
Rate Adjustments Loan Size, Credit Score, DSCR, Prepay, Property Type, Cash Out, Reserves, and Interest Only
Amortization / Term 30-Year Fixed Rate and 3/1, 5/1, 7/1, 15, and 30 yr (Interest-Only Available)
Prepayment Premiums Descending % (5/4/3/2/1 on a 5-Year Fixed)
Property Types Individual or Small Portfolios of Investment Residences (No Owner or Owner-Related Occupants)
Recourse Required
Minimum Credit Score 640
Lender Fees 1-2%
Borrower Experience Required 1 Year
Requirements 12 months of rental income (Without 12 months rental income, lower of market rent or current lease)

Alternative to Bank

Stronghill’s innovative Alternative to Bank (A2B) programs provide capital to borrowers seeking unmatched real estate financing without the time, paperwork, and uncertainty of bank loans.

Learn more about the Stronghill Alternative to Bank Short-Term Rental loan program.

Whether you're looking to refinance an existing property or start something new, Stronghill Capital has a loan that will fit your needs.