Financing for vacation properties and AirBnB’s

If you are an investor in or you are working with clients looking to grow their Airbnb or vacation rental portfolios, ESU-Global is built to serve this niche.

Our lenders specialize in DSCR-based loans for short-term rental (STR) properties, offering 30-year fixed-rate financing that focuses on the income of the property—not the borrower’s personal income. This is ideal for investors or your clients scaling their vacation rental business.

Program Highlights:

– Loan Type: DSCR (Debt Service Coverage Ratio)

– Term: 30-year fixed rate (interest-only options available)

– Loan Amounts: $100K – $2M+

– Property Types: Single-family, 2–4 units, condos, townhomes

– Short-Term Rental Friendly: YES – Airbnb / VRBO supported

– Max LTV: Up to 80%

– Min DSCR:1.0 (some flexibility)

– Min Credit Score: 680+

– No Personal Income Verification

– Prepayment Penalty: Yes (typically 3-5 years)

Best Fit For Investors who:

– Own or are acquiring vacation rentals

– Want passive underwriting based on property income

– Need long-term financing without verifying personal income

– Want to refinance out of hard money loans or cash out equity