Vacation Home Equity Loans: Tap Your Airbnb or VRBO Property

If you own a vacation rental on Airbnb or VRBO, you’ve likely built significant equity — especially over the past few years. A vacation home equity loan lets you put that equity to work without selling the property or losing your rental income stream. We offer vacation rental equity loans in 44 states.

Why Vacation Rentals Are Different

Most banks treat short-term rentals like Airbnb and VRBO properties as high-risk investments, making conventional equity loans nearly impossible to get. The income is variable, the occupancy fluctuates, and the property is classified as non-owner-occupied — all factors that traditional lenders shy away from.

We specialize in non-QM financing for exactly these situations.

How We Qualify Vacation Rentals

Instead of requiring W-2s or tax returns, we qualify vacation rental equity loans based on:

Property value — LTV-based loan sizing (up to 75% LTV cash-out)
Short-term rental income — We can use actual Airbnb/VRBO income or market STR data
DSCR qualification — Qualifying rent divided by monthly debt obligation

Vacation Rental Equity Loans in Texas

Texas has some of the strongest short-term rental markets in the country. From Galveston and South Padre Island on the Gulf Coast to the Hill Country towns of Fredericksburg, Wimberley, and Marble Falls — vacation rental property owners across the state have built significant equity and are using it to grow their portfolios.

We lend in all major Texas STR markets including Austin, San Antonio, Houston, Dallas-Fort Worth, Corpus Christi, and every coastal and Hill Country market in between. We also lend in 44 states nationwide.

Loan Terms for Vacation Home Equity

Feature	Details
Property Types	SFR vacation rentals, condos, 2-4 units (STR permitted)
Max LTV	Up to 75% cash-out refinance
Loan Term	30-year fixed or ARM options
Income Docs	None required — asset and rental income-based
Min Credit Score	620+
Loan Amounts	$150,000 – $3,000,000
Closing Time	As fast as 10–15 business days

What You Can Do With the Equity

Purchase another investment property
Renovate the vacation home to increase nightly rates
Pay off higher-interest debt
Fund a fix-and-flip project
Build a cash reserve for your portfolio

How the Process Works

Submit a quick quote — Tell us the property address, estimated value, current balance, and your rental income
Receive a same-day term sheet — We structure the loan around your rental income and equity, not your tax returns
Appraisal and title — We order a full appraisal and title search on the vacation property
Close and fund — Most vacation rental equity loans close in 10–15 business days

Frequently Asked Questions

Can I get a home equity loan on a property I rent on Airbnb?

Yes. We specialize in equity loans on short-term rentals. Unlike conventional lenders, we use your actual Airbnb or VRBO rental income — or market STR data — to qualify the loan, not W-2 income or tax returns.

What is the maximum I can borrow against my vacation rental?

We lend up to 75% LTV on cash-out refinances for vacation rental properties. If your property is worth $500,000 and you owe $150,000, you could access up to $225,000 in equity.

Do I need to show W-2 income or tax returns?

No. We qualify vacation rental equity loans using DSCR — the property’s rental income divided by its monthly debt payment. If the rental income covers the payment, you qualify. No personal income verification required.

How fast can you close a vacation rental equity loan?

Most vacation rental equity loans close in 10–15 business days after the appraisal is complete. Rush closings are available in some cases.

Ready to tap the equity in your vacation rental? Get a free quote today — no income docs, no hassle.

Your Deal Has a Home Here

Every deal below was turned down by a bank. Here’s what we funded instead.

DSCR

$620,000

6-Unit Rental — Austin, TX

Investor owned 9 rentals under 4 LLCs. Personal debt-to-income was maxed — no conventional lender would approve. Property cash-flowed at 1.28x DSCR. We qualified on the rent, not the borrower.

✓ 30-yr fixed @ 8.25% | 80% LTV

✓ No personal income docs

✓ Closed in 24 days

Fix & Flip

$285,000

Distressed SFR — Dallas, TX

First-time flipper, 590 credit score, needed 90% of purchase price to preserve renovation capital. No seasoning, no track record. Property had clear equity — we funded on the deal structure.

✓ 12% | 90% LTP | 9-month term

✓ Rehab draws included

✓ Closed in 10 days

Cash-Out Refi

$410,000

Investment SFR — Houston, TX

Self-employed investor needed to pull equity from a paid-off rental to fund the next acquisition. Tax returns showed losses (depreciation). We used 12-month bank statements and the property value.

✓ 8.75% stated income | 75% LTV

✓ Bank statements only

✓ Closed in 18 days

Short-Term Rental

$520,000

Airbnb Property — San Antonio, TX

Vacation rental with Airbnb income — no conventional lender would accept STR revenue as qualifying income. We used DSCR with Airbnb occupancy data and AirDNA market rent projections.

✓ DSCR @ 8.5% | 75% LTV | 30-yr

✓ Airbnb income accepted

✓ Closed in 28 days

BRRRR

$165,000 → $390,000

SFR Rehab & Hold — Fort Worth, TX

Classic BRRRR: buy distressed, rehab, rent, refinance, repeat. We did the initial hard money acquisition and funded the rehab draws. After stabilization, we refinanced into a 30-year DSCR loan at the new value.

✓ HM acquisition + DSCR refi in one relationship

✓ Full-cycle deal partner

✓ 80% of post-rehab value on refi

LLC Purchase

$740,000

Multifamily — San Antonio, TX

12-unit apartment held in a Wyoming LLC. Foreign national investor. No US credit history, no personal US income. We qualified on the property cash flow and entity structure alone.

✓ DSCR @ 8.75% | 75% LTV | 30-yr

✓ Foreign national, LLC borrower

✓ Closed in 32 days

Real Answers for Real Estate Investors

The questions every investor asks before applying.

Not on most programs. DSCR loans qualify on the property’s rental income — we use the rent roll, not your tax returns. Hard money, fix-and-flip, and bridge loans require no income documentation at all. Only our conventional full-doc programs require tax returns.

Yes, and we encourage it. Most of our investors borrow through LLCs, S-corps, or trusts. Entity borrowing does not disqualify you from any of our programs. We have experience with complex ownership structures including multiple LLCs and cross-collateral arrangements.

DSCR stands for Debt Service Coverage Ratio. It measures whether the property’s rental income covers the mortgage payment. A DSCR of 1.0 means break-even; we typically require 1.0–1.1x minimum. We calculate DSCR using market rents if the property is vacant, or actual leases if occupied. No personal income needed.

Hard money / fix-and-flip: 7–14 days. DSCR and cash-out: 14–28 days. Bridge loans: 10–21 days. Conventional full-doc: 30–45 days. We move as fast as you do — the appraisal and title are usually the pace-setters.

Yes. We accept short-term rental income for DSCR qualification using AirDNA market data or the borrower’s Airbnb revenue history. Many lenders won’t touch STRs — we specialize in them.

Hard money and fix-and-flip: no minimum — we are asset-based. DSCR and cash-out refi: 620+ preferred, though exceptions exist. Conventional: 680+. If you’ve been declined elsewhere, call us — we have seen every credit situation.

Never. No application fees, no processing fees, no upfront costs. Our origination fee is collected at closing from loan proceeds. If we can’t get your deal done, you pay us nothing. This has been our policy since 1998.