Host Financial
About Host Financial
**The problem it solves** Real estate investors who want to buy or refinance short-term rental properties cannot qualify through traditional lenders that use personal income, W-2s, and debt-to-income ratios rather than the property's rental revenue. **What Host Financial does** Host Financial is a specialty mortgage lender focused on short-term and investment rental properties, founded in 2019 and headquartered in San Diego, California, providing DSCR-based loans across 48 US states. **How it works** Loans are underwritten on the property's projected or historical short-term rental income rather than the borrower's personal income, removing W-2, tax-return, and DTI requirements, with AirDNA and Rabbu data used for income projections on new STR purchases. Products cover STR purchase and refinance DSCR loans, long-term rental DSCR loans, new-construction loans, and fix-and-flip renovation loans, with corporate-entity structures supported. An STR revenue calculator lets investors estimate income before applying, and dedicated account executives guide the process from online quote through underwriting to funding. **Who it's for** Airbnb and vacation rental investors in the US seeking property-income-based financing for STR acquisitions or refinances, including first-time STR buyers who cannot qualify under conventional mortgage guidelines.
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Frequently Asked Questions
What is Host Financial?
**The problem it solves** Real estate investors who want to buy or refinance short-term rental properties cannot qualify through traditional lenders that use personal income, W-2s, and debt-to-income ratios rather than the property's rental revenue. **What Host Financial does** Host Financial is a specialty mortgage lender focused on short-term and investment rental properties, founded in 2019 and headquartered in San Diego, California, providing DSCR-based loans across 48 US states. **How it works** Loans are underwritten on the property's projected or historical short-term rental income rather than the borrower's personal income, removing W-2, tax-return, and DTI requirements, with AirDNA and Rabbu data used for income projections on new STR purchases. Products cover STR purchase and refinance DSCR loans, long-term rental DSCR loans, new-construction loans, and fix-and-flip renovation loans, with corporate-entity structures supported. An STR revenue calculator lets investors estimate income before applying, and dedicated account executives guide the process from online quote through underwriting to funding. **Who it's for** Airbnb and vacation rental investors in the US seeking property-income-based financing for STR acquisitions or refinances, including first-time STR buyers who cannot qualify under conventional mortgage guidelines.