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.
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
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
Loan Terms for Vacation Home Equity
- Property types: SFR vacation rentals, condos, 2-4 units (STR permitted)
- LTV: Up to 75% cash-out refinance
- Loan term: 30-year fixed or ARM options
- Income docs: None required (asset and income-based qualification)
- Credit: 620+ minimum
See our Vacation Home Equity Loan program or get a free quote today. We fund vacation rentals in Texas and nationwide.