Finance Your Vacation Rental Purchase | Host Financial

Vacation Rental Financing.

Simplified.

Apply in 60 Seconds

*Does not affect credit score.

About Us

Like many businesses, Host Financial started as a solution to a growing problem. Many owners and investors were jumping into the short term vacation rental market, taking advantage of the growing segment of travelers who utilize platforms like Airbnb and VRBO.com. The demand was there, the properties were available, but main-stream financing had not really jumped on board, making it hard to obtain a loan for these kinds of investment properties.

This is the space where Host Financial was born. We understand the vacation rental market and have a network of lenders that specialize in serving investors within this niche. Whether you are seeking short term or long term financing, or even in need of a rehab, remodel, or construction loan, we have you covered.

The Host Advantage

No Personal Income or Tax Returns

Lending to Individuals, LLCs, Corporations, etc.

$50k - $2.5m

VACATION RENTAL LOAN

Refinance or Purchase…Whatever your need, it is our pleasure to offer vacation rental financing that works for you.  Offering both short term loans as well as much longer terms up to 30 years, we can help you find a funding solution for your investment.

Click here

LONG TERM RENTAL LOAN

Great investors know that some properties are just worth holding for the long run.  If you are considering the purchase of a long term rental property or currently have one that needs refinancing, we have solutions to help you maximize your property potential.

CONSTRUCTION / DEVELOPMENT LOAN

Thinking about jumping into the world of new construction or property development with your vacation rental business?  There’s a loan product for that!  We love being apart of groundbreaking endeavors and offer financing options for new construction of single units as well as larger development focused project loans!  Let us help you break ground on your dream.

FIX-N-FLIP / REMODEL LOAN

Thinking about upgrading or updating?  Whether your vacation rental needs a simple face lift or an entire overhaul, we have financing that can assist!  From fix-n-flip programs for investors looking to sell in the short term, to remodel and rehab products that give an old property new life and income potential, we have something for nearly every project on your honey do list!

VACATION
RENTAL LOAN

  • $75k – $2.5mm
  • 80% LTV / 75% Refinance
  • 5/1 ARM, 7/1 ARM, 30-yr Fixed
  • SFR. 2-4 Units, Condos, Townhomes, Multi-Family: 5-20 Units

LONG TERM
RENTAL LOAN

Single
  • $75k-1.5mm
  • 80% LTV / 75% Refinance
  • SFR, 2-4 Units, Condos, Townhome

Portfolio Rental Loan

  • $400k +
  • 75% LTV
  • Acquisition Financing 90% LTC
  • Max Rehab Financing 90%
  • SFR, 2-4 Unit, Condos, Townhomes, Multi-Family: 5-20 Unit

REMODEL
LOAN

  • $50k – $2.5mm
  • LTV 75% of ARV
  • Acquisition Financing 90% LTC
  • Max Rehab Financing 90% Rehab Budget
*Line of credit option available

NEW
CONSTRUCTION

  • $150k – $2.5mm
  • 75% of After Repair Value (ARV)
  • Max Land Acquisition Financing
  • 90% of Construction Budget
  • SFR, 2-4 Unit, Townhomes, Condos, Mixed-Use, Multi-Family 5-20 Units
*Line of credit option available

Our Process

Obtaining a loan can be a hassle, but we try to make the process as streamlined and simple as possible with four easy steps:

INTRODUCTIONS

In this step, we meet you and you meet us.  We obtain preliminary information about your property, your financing needs, and then put together an easy to understand proposal that lets you decide if you want to move forward.

HOMEWORK

Preparing a loan for submission is all about having the right documents for a clear picture of you, as a borrower.  Host Financial will guide you through a simple list of things to gather about your personal and financial situation, and help ensure it is all packaged and presented in the best possible way.

UNDERWRITING

This step of the process is mostly all our part, but we will let you know if there are any questions or concerns that we need your help with.  In most cases, we will let you know a decision on your file in just a few days time!

WRAPPING IT ALL UP

Once the loan is conditionally approved, there are a few final housekeeping items that we have to gather, including the appraisal, as we prepare for loan document signing and funding!

Inquiry

We listen, answer questions, establish expectations, and share preliminary quotes.

Preparation

Preparing a loan for submission is all about having the right documents for a clear picture of you, as a borrower. Host Financial will guide you through a simple list of things to gather about your personal and financial situation, and help ensure it is all packaged and presented in the best possible way.​

Underwriting

Lender orders appraisal and completes due diligence.

Funding

Sign documents and close!​

News & Blog

Adventure Trip

Inspiration bold craftmanship swim wear motif purse runway effect. Textile…

Read more

North Pole

Allure availability skirt artificial extra ordinary jewelry. Modification petticoat jersey…

Read more

The Best (And Worst) Cities To Make Money On Airbnb

Article Originally posted by Meggen Taylor on Forbes.com Airbnb has…

Read more

Get a Quote

We hope that it goes without saying that we want the opportunity to provide you a quote!  It doesn’t take very much time or brain power, and we guarantee it won’t come with a pushy salesman or annoying phone calls while you are eating dinner.  Just a no obligation, no hassle chance to show off our innovative products to our newest customer.  Fill out the form to get started.