The STR Finance Platform built exclusively for short-term rental investors.
Purchase and refinance Airbnb, VRBO, Booking.com, and direct-booking properties using real STR income — not your tax returns. Nationwide. Investor-friendly. Closed in under 30 days.
Short-term rentals don't underwrite like long-term rentals. We stopped pretending they do.
Most DSCR lenders treat your Airbnb like a problem to solve. We treat it like the asset it is — and price it to its real revenue, not a long-term-rent comp pulled from a generic AVM.
Purchase
Buy your next Airbnb, VRBO, or boutique STR with DSCR underwriting based on STR income.
Rate / Term Refi
Lower your payment or move off a bridge loan — keep your STR cash-flowing.
Cash-Out Refi
Pull equity out of a performing STR to fund the next acquisition.
STR-Only Underwriting
We use 12-month STR revenue (AirDNA + actuals) — not 1007 long-term rent comps.
Most DSCR lenders added an STR program because they had to. We built Reify because the STR investor deserved something better than an afterthought.
Reify Funding finances short-term rentals. That's it. No commercial real estate, no ground-up construction, no owner-occupied homes. When STR is all you fund, every borrower wins.
What we fund
- Airbnb, VRBO, Booking.com properties
- Direct-booking short-term rentals
- Single-family, condos, small multi (1–4)
- Purchase, rate/term refi, cash-out refi
What we don't fund
- — Owner-occupied / primary residences
- — Commercial real estate
- — Ground-up construction or land
Ready to finance your next short-term rental?
Get a pre-approval letter in 24 hours. Close in under 30 days.