Airbnb Loans

Airbnb financing helps you quickly access the funds you need to invest in a profitable short-term rental property. At Ridge Street Capital, we streamline the loan process by removing unnecessary hurdles—no need for personal income verification, extensive paperwork, or prior investor experience. Our approach makes getting the financing simple and stress-free. You can also read this article: DSCR vs Conventional Loans

The potential of your property to generate income is a key factor. We assess your property’s value through a professional appraisal and use local short-term rental market data to determine its suitability. This ensures your investment has long-term potential, even if you decide to rent to long-term tenants in the future.

We do not require proof of Airbnb income to qualify for our loans. Our financing is based on the property itself and your credit profile. However, we are exploring future options where Airbnb income may help with refinancing opportunities.

You can also read this article: DSCR Loans For Airbnb

At Ridge Street Capital, we specialize in financing properties that you own. We do not finance rental arbitrage projects, where the investor leases a property to sublet it as a short-term rental.

Maintaining a strong credit score is essential. Although we require a minimum score of 680, having a higher credit score can help you secure a lower interest rate and improve your approval chances. Additionally, making a larger down payment may also enhance your qualification odds.

No, our short-term rental loans are for investment properties only. They are not meant for owner-occupied properties, even for part-time living. If you’re looking to finance a property for personal use, a traditional mortgage would be a better fit.

There are several options for financing short-term rental properties, but many come with higher interest rates and rigid qualification standards. At Ridge Street Capital, we offer more flexibility—our loans focus on the property and your financial standing without the need for personal income verification.

Each city has its own rules regarding short-term rentals, including zoning laws and licensing requirements. To avoid any surprises, research your city’s regulations or consult with local authorities before purchasing the property. This will help you confirm that your Airbnb investment is allowed in that area.

Airbnb provides basic host protection insurance, but you’ll need a comprehensive property insurance policy that covers the full replacement cost of your asset. This will protect you from potential risks like property damage, liability, and unexpected events beyond the platform's coverage.