Get VRBO Short Term Rental Financing

Financing your VRBO short term rental has never been easier. Our short term rental loan program is seamless and straightforward, with loan limits up to $3 million.

Vacation rental properties provide owners and investors with potentially lucrative opportunities for growing their business and income. But why struggle with a traditional mortgage lender when applying for a loan can be simple?


At Kram Capital, our dedicated short term rental team can quickly assess the possibility of your vacation rental property and provide you with the financing you need. Vacation home lending is easy with us, enabling you to potentially profit from your rental investments.

Our VRBO Short Term Rental Loans

Our VRBO short term rental loan program is specifically designed for purchasing single-family homes, condos, duplexes, and other VRBO, Airbnb rentals, and vacation rental properties. We offer flexible loan terms that are customized to fit your needs.


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

VRBO Short Term Rental Financing Made Easy

For short term rental financing that is painless and simplified, look no further than our real estate loan program.

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%

How To Qualify: VRBO Short Term Rental Financing

VRBO financing options for short term rentals are customized based on each investor’s unique situation. You’ll find that our team works with you to help you obtain financing for your real estate investment property.

Our 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 Short Term Rentals

Fast Closings

Time is critical in short term rental 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 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 investors.

Tangible Results

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

VRBO Short Term Rental Financing FAQ

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

To determine if your short term rental property is eligible for financing, we utilize a professional appraisal service and review local rent data. We then review the viability of your vacation rental as a possible investment for cash flow, since the exact VRBO rental property you select will play a significant role in your ability to secure a loan. There is no proof of income required.

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

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

We are currently building a 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 short term 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 short term rental?

To improve your chances of qualifying for a short term rental loan, we recommend increasing your credit score as much as possible. We do require a minimum credit score of at least 680. The higher your credit score, the better your chances of being approved for the loan and potentially lowering your interest rate. Additionally, a larger down payment can also improve your chances of qualifying for a loan for short term rentals.

What are short term vacation rentals?

Which properties qualify as short term rentals will vary depending on the state. In most cases, a property is considered to be a short term rental when it is a furnished apartment, condo, duplex, or home that is rented anywhere from one night up to one month. Long term rentals have occupancy for longer than one month. Both long term and short term rentals can be highly lucrative investment opportunities.

Can I refinance my short term rental 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 short term rental property?

Our short term rental property loans are not designed to be used as a second home. They are designed for investment properties, which means only guests who have booked and paid for a room should be staying in the rental property. Our short term rental loans cannot be used to finance a property you intend to live in, even temporarily. To purchase a property you would like to inhabit as a second home, you’ll want a traditional, owner-occupied mortgage. Our short term rental program is intended for a vacation rental stay.

Are there other options for financing a short term rental property?

While there are many options for owners financing a short term rental property, such as hard money loans and more traditional property loans, these options typically come with high-interest rates and strict qualifying standards that take advantage of many investors. Similar to traditional rental property requirements, hard money loans tend to require monthly income verification and employment verification from property owners. At Kram Capital, our short term financing program for a vacation rental stay and short term property rentals are more flexible, enabling property owners to qualify with simply their credit score, bank statements, and the specific property.

How can I make sure my short term 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.

What insurance will I need as a short term rental investor?

The VRBO rental platform provides homeowners with liability protection from guests during their stay. But it’s also a good idea to consider purchasing an additional insurance policy for the full replacement cost of your home.

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 VRBO, AirBnb, 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 Short Term Rental Property Financing Options