Short-Term Vacation Rental Loans

Financing options for investors that are investing in short-term vacation rentals.

For Investors Who Have Made Vacation Accommodations Their Business

Put RCN Capital’s financing to work for your next short-term vacation rental. RCN offers 30-year loans with rates starting at 7.30% for short-term rental properties. Whether you are trying to purchase a vacation property of everyone’s dreams or are looking for better terms for an existing vacation rental, RCN has you covered. 

Loan Criteria

Collateral:

Non-Owner Occupied 1-4 Family Real Estate; 
Condos; Townhomes

LTV:

Purchase: Lesser of up to 75% of the As-Is Value or Up to 75% Loan-to-Cost
Refinance: Up to 75% of the As-Is Value
Cash-Out: Up to 70% of the As-Is Value

Loan Amount:

$65k – $1.5M

Rates

Starting at 7.30%

Minimum FICO

660

Amortization Options:

30-Year Fixed,  &
5, 7, & 10 Year Interest-Only

SHORT-TERM VACATION Rental Loan Program

FICO Maximum Loan-to-Value (LTV) Maximum Loan-to-Cost (LTC)
Purchase 720+ Up to 75% of the As-Is Value Up to 75% Loan-to-Cost
700 - 719 Up to 70% of the As-Is Value Up to 75% Loan-to-Cost
680 - 699 Up to 70% of the As-Is Value Up to 70% Loan-to-Cost
660 - 679 Up to 65% of the As-Is Value Up to 65% Loan-to-Cost
FICO Maximum Loan-to-Value (LTV)
Refinance 720+ Up to 75% of the As-Is Value
700 - 719 Up to 70% of the As-Is Value
680 - 699 Up to 70% of the As-Is Value
660 - 679 Up to 65% of the As-Is Value
FICO Maximum Loan-to-Value (LTV)
Cash-Out 720+ Up to 70% of the As-Is Value
700 - 719 Up to 65% of the As-Is Value
680 - 699 Up to 65% of the As-Is Value
660 - 679 Up to 60% of the As-Is Value

Final loan terms may vary based on loan types, verification of application information, and other risk-based factors.

Recent Loans

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