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AE Capital Partners

Airbnb · VRBO · Vacation rentals

Financing for properties that host as hard as you do.

Short-term rental loans for single-family and multifamily vacation properties — up to 75% loan to value, or 70% on a cash-out, with low or no prepayment penalty.

Submit Your RentalTalk to an advisor
Timber lodge vacation home on a grassy hillside at sunset

Program at a glance

Max loan to value
75%
Max LTV on cash-out
70%

The listing requirement

Listed, live, and earning.

A short-term rental loan finances a property operated as a nightly or weekly rental. To qualify for this program, the property must be listed on Airbnb, VRBO, or a similar site.

  • Airbnb01
  • VRBO02
  • Similar short-term rental platforms03

Who it's for

Hosts and investors who…

  • 1Hosts acquiring a property to operate as a short-term rental
  • 2Owners of existing listings who want to refinance or pull equity
  • 3Investors growing a portfolio of vacation rental properties
01

Acquire a vacation rental

Finance up to 75% of value on a single-family or multifamily property operated as a short-term rental.

02

Cash-out on an existing listing

Access up to 70% of value on a property already earning on a short-term rental platform.

Modern villa with reflecting pool operated as a vacation rental

Eligibility

Short-term rental requirements.

Eligible property types

  • Single-family
  • Multifamily
  • Listed on Airbnb, VRBO, or similar

Requirements

  • Finance up to 75% loan to value, 70% for cash-out
  • Single-family & multifamily properties
  • Low or no prepayment penalty
  • Must be listed on Airbnb, VRBO, or similar site
  • For recourse loans, one guarantor and signer with at least 25% ownership of the borrowing entity
  • Title insurance is required on all loans
Full eligibility criteria

Common reasons submissions are declined

  1. 1Property is not in a state that we finance, or is in a location an appraiser would consider rural
  2. 2Property value or purchase price
  3. 3Credit score
  4. 4Liquidity
  5. 5Newer investors taking on extensive rehab projects

Short-Term Rental Loans FAQ

Questions investors ask about short-term rental loans.

All questions & answers

The property must be listed on Airbnb, VRBO, or a similar short-term rental site.

Up to 75% loan to value, or up to 70% for a cash-out, subject to underwriting.

The program offers low or no prepayment penalty options.

Related programs

Other ways to finance the deal.

All programs

  • 80% loan to value

    Buy & Hold Loans

    30-year DSCR rental financing for single-family and multifamily investment properties, with low or no prepayment penalty options.

  • 80% loan to value

    Bank Statement Loans

    A 30-year loan that qualifies you through bank statement analysis — built for self-employed investors and business owners.

  • 75% loan to value

    Bridge Loans

    Multi-year interim financing that bridges an acquisition, stabilization, or refinance — with no prepayment penalties.

Modern villa with reflecting pool

Ready when you are

Turn the next booking calendar into your next asset.

Submit your short-term rental deal through the AE Capital Partners portal, or speak with our team about financing a listed property.

Submit Your DealSpeak With Our Team
Prefer to talk? Call 310-810-1374
Submit a Deal