STR Loan Programs
Three ways to finance an STR. All of them underwritten on real short-term rental income.
Every program Reify places is designed specifically for short-term rental investors — structured on STR income, not your day job.
Buy your next rental
STR Purchase
Acquire performing or projected Airbnb, VRBO, and Booking.com properties with DSCR underwriting using real STR revenue.
- Up to 80% LTV
- DSCR from 1.00x
- 30-yr fixed, IO, ARM
- Close in under 30 days
Lower your payment
Rate / Term Refi
Move off a hard-money bridge, consolidate, or simply drop your rate without touching your equity position.
- Up to 80% LTV
- No seasoning required
- Keep your STR cash-flowing
- Pay off bridge debt
Fund the next deal
Cash-Out Refi
Pull equity out of a performing short-term rental to scale your portfolio without touching your W-2 or tax returns.
- Up to 75% LTV
- Use proceeds for any STR purpose
- 12-month STR history accepted
- Unlimited financed properties
Program Snapshot
Built around how STRs actually underwrite.
| Purchase | Rate/Term | Cash-Out | |
|---|---|---|---|
| Max LTV | 80% | 80% | 75% |
| Min DSCR | 1.00x | 1.00x | 1.00x |
| Min FICO | 640 | 640 | 640 |
| Loan size | $150K–$3.5M | $150K–$3.5M | $150K–$3.5M |
| Terms | 30-yr fixed, 5/6 & 7/6 ARM, IO | 30-yr fixed, ARM, IO | 30-yr fixed, ARM, IO |
| Property types | SFR, condo, 1–4 unit, condotel | SFR, condo, 1–4 unit | SFR, condo, 1–4 unit |
| STR income source | 12-mo actuals + AirDNA projection | 12-mo actuals | 12-mo actuals |
Guidelines reflect typical scenarios. Final terms based on full underwriting. All loans for business purpose only on non-owner-occupied investment property.