SHORT-TERM RENTAL LOANS

Simplified

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We’re a company built by real estate investors and entrepreneurs, just like you. We’ve experienced first-hand how frustrating it can be to secure financing for short-term rentals when traditional lenders just don’t get it. That's why we founded Host Financial. Are you ready to expand your real estate empire with investor-friendly short-term & long-term rental financing?

FEATURED IN

We saw that traditional financing wasn't designed to support ambitious entrepreneurs looking to build their short-term rental and investment property portfolio quickly.

So, in collaboration with our capital partners, we created a program that underwrites loans based on the property’s income, rather than the investor’s personal income. Say goodbye to pesky DTI restrictions and hello to unlimited potential. Our loan process is simple, efficient, and doesn't require any of that tax return or personal income statement nonsense.

WHERE WE LEND

Lending Map

Our loan programs are approved in 47 out of 50 US States!

Map showing the states where Host Financial can offer financing solutions to qualifying properties.

  • ARIZONA

    ARKANSAS

    COLORADO

    CONNECTICUT

    FLORIDA

    GEORGIA

    ILLINOIS

    INDIANA

    IOWA

    KENTUCKY

    MAINE

    MARYLAND

    MASSACHUSETTS

    MICHIGAN

    MISSISSIPPI

    MISSOURI

    MONTANA

    NEW HAMPSHIRE

    NEW JERSEY

    NEW YORK

    NORTH CAROLINA

    OHIO

    OKLAHOMA

    PENNSYLVANIA

    RHODE ISLAND

    SOUTH CAROLINA

    TENNESSEE

    TEXAS

    VIRGINIA

    WASHINGTON

    WASHINGTON DC

    WISCONSIN

  • NEVADA

    NORTH DAKOTA

    SOUTH DAKOTA

Loan Programs

Short term rental living room
A couple in a large room full of moving boxes, representing that they are moving into a long term rental.
Man in a construction hat building a home.
House under renovation.

POWERED BY

Color Logo for AirDNA, a company that specializes in providing and analyzing short-term rental data.

Short-Term Rental Calculator

POWERED BY

Our Process

1

Submit your request for a quote and we will do a comprehensive analysis to get you’re the best rates and terms available. 

INQUIRY

2

Host Financial will guide you through a simple checklist of documents we need to collect in order to submit your loan to processing with the underwriting team. 

PREPARATION

3

After your initial docs have been submitted, your account executive will order the appraisal and underwriting will begin their due diligence.

UNDERWRITING

4

FUNDING

Sign documents and close!​

Client Success Stories

  • Headshot of Tina, an Account Executive at Host Financial

    Working with Tina was a great experience. She was always available when I had a question and would fix any problems that arose. She made a great experience of purchasing my first Airbnb property.

    TOM D.

  • Headshot of Paul, an Account Executive at Host Financial

    Working with Paul was a great experience, he was very professional in handling all the documents and information needed to get our deal closed. Paul is calm and quick to respond to all of the questions we had. We will be happy to work with him on any future project.

    CESAR G.

  • Headshot of Eleonora, an Account Executive at Host Financial

    Eleonora was the most responsive and professional person I've worked with. Available to answer my questions and definitely felt I had someone who cared on my side to get the deal to the finish line! Absolutely the best!

    SCOTT R.

  • Headshot of Paul Lougée, an Account Executive at Host Financial

    Paul and the team at Host Financial were key players in getting my first STR financed through a DSCR loan. Paul was always helpful in answering my questions & getting me the info I needed. I’d definitely recommend using Host Financial, and plan to use them for my next purchase.

    JACKIE S.

We understand what matters to investors

Transparency

 We're not some stuffy bank using complicated jargon and hidden fees. At Host Financial, we keep it real. No fluff, no filler, just clear and concise communication in plain English. 

Common Sense

Unlike traditional financing, our 3 factors to qualify for loans make financing simple. You can qualify with the property's income, your FICO score, and your liquidity. Simple as that. 

Versatility

Our investors have unique needs for different situations, so we don't just offer loan solutions for short-term rentals; we also work with long-term rentals, rehab, remodel, construction loans and BRRRR take outs.

Privacy & Protection

Protecting your identity and assets as an investor can also be extremely important, so our we also offer solutions for corporate entities, not just individuals.  

Image of Daniel Ramirez and Adam Windham, the founders of Host Financial.

Our founders are investors, just like you.

When our founders, Daniel and Adam, found out that traditional financing wasn't designed in a way that supported entrepreneurial investors like themselves, they decided to search for a solution. And since they didn’t find one, they created one. Together, they put together a program that underwrites loans based on short-term rental income, not just an investor's monthly income.

Get a Quote

Recently Funded

  • A brick house. An example of an investment property that received funding with the help of Host Financial.
  • A red brick house with a white roof. An example of an investment property that received funding with the help of Host Financial.
  • A white house with a grey roof. An example of an investment property that received funding with the help of Host Financial.
  • A four story building surrounded y palm trees. An example of an investment property that received funding with the help of Host Financial.
  • A beautiful modern home surrounded by trees. An example of an investment property that received funding with the help of Host Financial.
  • A simple brick house with the exterior painted in a cream color. An example of an investment property that received funding with the help of Host Financial.
  • A simple house with a chimney. An example of an investment property that received funding with the help of Host Financial.
  • A red brick single-story house. An example of an investment property that received funding with the help of Host Financial.
  • A red brick single-story house with nice landscaping. An example of an investment property that received funding with the help of Host Financial.
  • A luxury home. An example of an investment property that received funding with the help of Host Financial.
  • A grey house with a red fence. An example of an investment property that received funding with the help of Host Financial.
  • A sunning home overlooking palm trees. An example of an investment property that received funding with the help of Host Financial.
  • A charming little red house. An example of an investment property that received funding with the help of Host Financial.
  • A light grey two-story house with an attic. An example of an investment property that received funding with the help of Host Financial.
  • A nice large single-story suburban house with a driveway. An example of an investment property that received funding with the help of Host Financial.
  • A house with a clean contemporary design. An example of an investment property that received funding with the help of Host Financial.
  • Tropical vacation home. An example of an investment property that received funding with the help of Host Financial.
  • Quaint house with a garage. An example of an investment property that received funding with the help of Host Financial.
  • Three-story vacation home cabin. An example of an investment property that received funding with the help of Host Financial.
  • Beautiful house in Florida. An example of an investment property that received funding with the help of Host Financial.
  • Charming investment property in Connecticut. An example of an investment property that received funding with the help of Host Financial.
  • Classic all-American home. An example of an investment property that received funding with the help of Host Financial.
  • Epic property in Jackson, Georgia. An example of an investment property that received funding with the help of Host Financial.
  • Contemporary style living room of a vacation home rental property listed on Airbnb. An example of an investment property that received funding with the help of Host Financial.
  • Creative and beautifully designed pink vacation home. An example of an investment property that received funding with the help of Host Financial.