Simplified.
SHORT TERM RENTAL LOANS
*Applying does not affect credit score.
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 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!
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ARIZONA
ARKANSAS
COLORADO
CONNECTICUT
ILLINOIS
INDIANA
KENTUCKY
MAINE
MARYLAND
MASSACHUSETTS
MICHIGAN
MISSOURI
NEW HAMPSHIRE
NEW JERSEY
NEW YORK
NORTH CAROLINA
OHIO
OKLAHOMA
PENNSYLVANIA
RHODE ISLAND
SOUTH CAROLINA
TENNESSEE
TEXAS
WASHINGTON
WASHINGTON DC
WISCONSIN
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FLORIDA
GEORGIA
IOWA
MISSISSIPPI
MONTANA
VIRGINIA
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NEVADA
NORTH DAKOTA
SOUTH DAKOTA
Loan Programs
POWERED BY
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
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Working with Eleonora 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.
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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.
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![Eleonora C. Bastos]()
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.
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![Paul Lougée]()
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.
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.
