Vacation Rental Financing Made Easy

Our vacation rental loan program makes it easier than ever to fuel your investment strategy. Customized rates and loan limits up to $3 million allow us to work with any investor across a variety of vacation real estate properties.

It’s no secret that vacation home rentals can be incredibly lucrative, earning some investors up to $7,000 per month in income on a single property.


If you’re looking to invest in a vacation rental home, but aren’t sure where to start to get the funding you need, our dedicated team can help. At Kram Capital, we’re different from other lenders – we accurately assess the viability of your short term rental property to provide affordable, flexible financing for your investment.

Our Vacation Rental Loans

At Kram Capital, our short term rental loan program is built for purchasing single-family homes, condos, duplexes, and other VRBO, Airbnb rentals, and vacation homes. Our loan terms for vacation home properties are flexible and applying has never been easier.


No W-2s or tax returns required Flexible loan terms
Loans up to $3 million Fast closings
New investors welcome Low, fixed interest rates

Vacation Home Financing Made Simple

Vacation home real estate loans with Kram Capital are straightforward, streamlined, and stress-free. And we don’t require personal income, prior investor experience, or lease agreements.

The details:

  • Property types allowed: Single-family homes, condos, townhomes, duplexes, triplexes, quadplexes
  • Locations available: All states except ID, MN, ND, NE, NV, OR, SD, UT, VT
  • Loan term options: 5/1 ARM (no balloon note), 7/1 ARM (no balloon note), 15-year fixed-rate, 30-year fixed-rate, 10-year Interest Only
  • Loan sizes: $200,000 to $3,000,000
  • Interest rates: Starting at 4.500%

Qualifying For Your Second Home Vacation Rental Financing

We proudly offer flexible vacation home financing options that fit a large variety of properties and scenarios, including Airbnb and VRBO.

Our vacation property qualifying standards vary by credit score and loan amount, but our minimum requirements are as follows:

  • Credit score
At least 680
  • Loan-to-value ratio
Max 80%
  • Down payment
Minimum of 20% down
  • Minimum loan amount

The Kram Capital Difference with Vacation Rental Real Estate

Fast Closings

Time is critical with vacation home financing, which is why we offer fast and reliable closings. We are upfront from the beginning so you can plan the next phase of your investment strategy.

Personalized Service

From applying to closing, we work with you each step of the way during the rental home financing process so you always know where your short term rental loan stands.

Flexible Options

Countless loan programs available nationwide. Our robust lender network caters to all types of commercial real estate and vacation home investors.

Tangible Results

Expect exceptional results as we help you grow your portfolio, and ultimately, your vacation rental business.

Vacation Rental Financing: FAQ

How do you determine if my vacation rental property is eligible for financing?

The specific real estate properties you’ve selected for vacation rental play a significant role in your ability to secure a short term loan. At Kram Capital, we utilize a professional appraisal service, local rent data, and review the viability of your vacation rental as an investment for cash flow. We do not require proof of income.

Can I use vacation rental income to qualify for my property loan?

When it comes to applying for financing for your Airbnb, VRBO, or another vacation rental property, we don’t require proof of monthly income.

We are currently building a real estate product that would enable borrowers to use short-term rental income to qualify for both rate-and-term and cash-out refinancing.

Do you finance vacation rental arbitrage projects?

Kram Capital only finances the purchase or refinance of income-producing real estate property. We do not finance arbitrage projects.

How can I improve my chances of qualifying for a vacation home rental loan?

Your best bet is to boost your credit score as much as possible. This is sometimes done by increasing your line of credit. Though we require a 680 at minimum, a higher score will increase your chances of approval and, in some cases, lower your interest rate. Making a larger down payment can also help you get approved more easily.

What counts as a short term rental?

The exact definition of what qualifies as a short term real estate rental will vary from state to state. But in general, a short term rental is an investment property that is a furnished apartment, condo, duplex, or home that is rented for short periods of time. Whereas a long term rental is often considered to have occupancy for one month or a longer period of time, a property is considered short term if it has occupancy for one night up to one month.

Can I refinance my vacation home property at a later date?

Yes, as the property owners you may refinance your short-term rental loan should you want to change your interest rate or terms or access your property’s equity down the line. At Kram Capital, we offer both rate-and-term and cash-out refinancing.

Can I live in my vacation home property?

Our vacation rental loan program is not designed to be used as a second home for owners to live in. The loan program is designed to be used as an investment property only. This means the vacation rental cannot be used to finance a property you intend to live in, even if it’s temporary. To purchase a property you would like to inhabit as a second home, you’ll want a traditional, owner-occupied mortgage.

Are there other options for financing a vacation home rental property?

There are a few options for financing a rental property, but these options tend to take advantage of investors with high-interest rates and difficult qualifying standards. At Kram Capital, our short term financing program is flexible, which means property owners can qualify with just their credit score, bank statements, and location of the specific property listing.

How can I make sure my vacation home rental is allowed?

As owners of a short term rental such as with Airbnb or VRBO, you’ll want to check the home vacation rental and short-term rental regulations within your city. Some cities require specific licensing and some have banned vacation rental homes as short term rentals altogether. Additionally, some cities have requirements on the occupancy/number of guests that can stay in the home. It’s always a good idea to do your due diligence prior to purchasing a vacation rental home.

Is owning a vacation rental profitable?

Vacation rental properties are in high-demand, so utilizing a second home as a vacation home for rental income can be highly profitable. Vacation rentals are generally considered a good investment, since they have the potential to not only provide rental income, but to help investors pay for a second home mortgage while waiting for that home to appreciate in value.

What credit score do I need to buy a vacation home?

Our qualifying standards for a second home mortgage to be used as a vacation rental will vary by credit score and loan amount. Our minimum requirements are as follows:
• Credit score of at least 680
• Loan-to-value ratio at a max of 80%
• Down payment minimum of 20% down
• Minimum loan amount of $200,000

What insurance will I need as a vacation home rental investor?

If you’re listing vacation rentals on the Airbnb rental platform or VRBO, you’ll receive built-in “host protection.” However, as owners of these home vacation rentals, you’ll also want to consider purchasing a separate insurance policy for the full replacement cost of the property.

How do I finance an Airbnb property?

Our short term loan programs can help investors finance vacation rental properties that are intended to be listed on specific vacation rental platforms, including Airbnb and VRBO. To improve your chances of qualifying for this type of second home mortgage, we recommend boosting your credit score as much as you can. While we do require a score of at least 680, your chances of being approved will increase the higher your score, while also potentially lowering your interest rates.

How do you finance a vacation rental?

To get started with financing a vacation rental, the first step is to contact us.

Get The Short Term Rental Financing You Need Today

Kram Capital understands the unique challenges that investors face when building their short-term rental businesses. Our lending platform aims to simplify Airbnb, VRBO, and vacation rental property financing and make growing your portfolio easier, faster, and more flexible. Whether you’re looking to purchase a new property or refinance an existing one, we’re here to help.

Based in Atlanta, Georgia, our nationwide reach connects clients with funding for the best commercial and residential real estate investment opportunities across the United States. Our clients benefit from flexible financing terms and competitive market rates while enjoying personalized service with the right amount of support based on their needs.

Contact Us To Learn More About Your Vacation Rental Property Financing Options