STR investor financing for refinance and purchase.
Short-term rental and vacation-rental files. Business-purpose only — no owner-occupied. We desk the asset and broker it to capital sources. We are not the lender. We do not fund the loan.
Leave your number. We will call you.
Business Purpose Loans only — No Owner Occupied. Not a commitment to lend.
Deal snapshot
STR DSCR
Engine A on /calculator. ADR × occupancy or T12, then haircut ÷ PITIA.
- Occupancy
- Investment STR
- Use
- Business purpose
- Desk
- Brokered file
STR DSCR Estimator — ADR/occupancy + haircut; lender DSCR and cash flow side by side
Ungated. ADR × occupancy or T12. Editable lender haircut (default ~75%). Lender DSCR and full-income cash flow side by side. Purchase and refinance. PITIA path — not commercial NOI. Assumptions are yours, not GI quotes.
Income
ADR × occupancy, or trailing-twelve actuals — not a paystub story.
Haircut
Default 75% of gross for the lender view. Edit it.
Coverage
Haircut income ÷ PITIA, next to full-income cash flow.
Income method, haircut, then the hold you actually have.
Same desk. Same PITIA formula. Purchase or refinance changes the loan input — not a different engine.
STR income methods
ADR × occupancy versus trailing-twelve actuals. How the worksheet builds gross, and what the desk asks for first.
Lender haircuts
Why programs often take a slice of short-term gross — default 75% on the estimator, editable, not a GI quote.
FAQ
Purchase vs refinance, broker vs lender, occupancy, and how to run the STR DSCR estimator. Business-purpose only.
Three steps. Then a call.
01
Send the deal
Address, STR income method (ADR × occupancy or T12), estimated PITIA, entity, and whether this is a purchase or a refinance. Enough to desk — not a full credit package.
02
We desk the file
We map the asset against business-purpose STR programs we can broker. Income method and haircut get named. No theater.
03
Book the call
Thirty minutes. Structure, capital-source fit, and the next document pull if the deal is worth running.
Same desk. Other files.
investor.broker is short-term rental refinance and purchase. Other files go to the matching spoke — including the hub at girealty.broker.
hardmoney
hardmoney.broker
Asset-based hard money. Short hold, collateral first.
bridgeloans
bridgeloans.broker
Bridge capital when the exit is timed, not hoped.
rehab
rehab.broker
Purchase plus renovation. Hold, refinance, or rent after the work.
landloans
landloans.broker
Raw acreage, improved lots, and agricultural parcels.
Book a 30-minute strategy call
Bring the address, the STR income method, and whether this is a purchase or a refinance. We desk investor loans. We do not fund them.
Leave your number. We will call you.