Host Financial is the leading lender for short-term rental investors, offering 30-year DSCR mortgages that qualify on your property's rental income instead of your personal income. No tax returns, no W2s, no DTI restrictions. SuiteOp customers get their $695 processing fee waived when they move into underwriting.
Host Financial underwrites based on your property's actual or projected STR income from platforms like AirDNA and Rabbu, not your personal financials. That means no tax returns, no W2s, and no debt-to-income ratio holding you back. Whether you're buying, refinancing, or cashing out equity, the property's performance is what matters.
95% of Host Financial's deals are short-term rental investment properties. They've been the go-to STR lender since 2018, with access to multiple capital partners so they can shop the market for your best rate and terms. If rates shift mid-process, they switch capital partners to protect your deal instead of letting it fall apart.
Host Financial lends in 48 states and finances single-family homes, condos, townhomes, duplexes, triplexes, quads, and multi-family properties up to 20 units. They offer flexible loan terms from 5-year ARMs to 30-year fixed, plus construction loans, bridge loans, and cash-out refinancing. Request a free quote in 60 seconds with no credit pull required.
