Host Financial

What problem does Host Financial solve?

Investors buying or refinancing short-term rental property often fail conventional underwriting, because banks assess personal income, W-2s and debt-to-income ratios instead of the revenue the property itself produces.

What does Host Financial do?

Host Financial arranges mortgage financing for short-term and long-term rental investors in the United States, working through a panel of lending partners covering 48 states. North Dakota and South Dakota are excluded.

How does Host Financial work?

Loans are underwritten on the property's debt service coverage ratio, using projected or historical rental income rather than the borrower's personal income, so W-2s, tax returns and DTI calculations are not required. Qualification rests on property income, FICO score and liquidity. Programs cover STR purchase and refinance, long-term rental DSCR loans, new construction, and fix-and-flip renovation loans, and borrowing through an LLC or other entity is supported. Borrowers request a quote online, choose a term, then submit entity documents, bank statements, insurance and title for underwriting. An STR revenue calculator and a lending map are published on the site. Rates, terms and eligibility are set case by case.

Who is Host Financial for?

US real estate investors financing Airbnb and vacation rental property, from first-time STR buyers to owners scaling a portfolio.

• Type: Services
• Headquarters: San Diego, US
• Integrations: 1
• Key features: DSCR loan underwriting, STR income-based financing, Purchase and refinance loans, STR revenue calculator, Corporate entity borrowing, asset based lending, llc borrowers, llc vesting, short term rental underwriting, short term rental income financing

Listed on STR Market Map, the short-term-rental software marketplace.