Airbnb Loans in Phoenix AZFinancing Built for Short-Term Rental Properties
Buying an Airbnb or short-term rental in Phoenix? Standard mortgages don't always work for STR properties because they count rental income differently. I work with lenders who specifically underwrite short-term rentals — DSCR loans that use projected Airbnb income to qualify you.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need Airbnb Loans
Airbnb-specific loans matter when you're buying a property to operate as a short-term rental. Standard investor loans want long-term lease income, which most Airbnbs don't have. STR-friendly lenders use AirDNA data or a third-party rent schedule to project short-term rental income. They also understand local STR rules in Phoenix, Scottsdale, and other Valley markets. The right lender knows the deal isn't standard.
Our Airbnb Loans Process
Here's how we close your Airbnb loan. Call or text me with the property and your plan. I'll pull the projected STR income from market data and quote you the financing. Most Airbnb loans are DSCR-style — qualify on the property income, not your personal income. Pre-approval same-day in most cases. Most STR loans close in 25 to 35 days.
Airbnb Loans Cost in Phoenix
Airbnb loan rates are typically a touch higher than long-term rental DSCRs because of the variable income. Your rate depends on the projected DSCR, your credit, and your down payment. I shop dozens of STR-friendly lenders to find the best rate. Every fee in writing before closing.
Why Choose Us
Airbnb financing is a niche. Most banks don't get it. I work with lenders who do these all the time. Ten years in the business and 50-plus five-star reviews. Same-day response on every call and text. I'll get your deal done.
Ready to Get Started?
Buying an Airbnb? Call or text Mark at (480) 690-9790 today.
For more investor financing, see all of our Investment Service programs in Phoenix.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.