VRBO mortgages, also known as vacation rental mortgages or short-term rental mortgages, are a type of financing that is specifically designed for homeowners who are looking to use their property as a short-term rental on platforms like VRBO. These mortgages are designed to meet the unique needs of homeowners who are looking to generate income from their property by renting it out on a short-term basis.

One of the key features of VRBO mortgages is that they typically have more flexible qualification requirements than traditional mortgages. This is because lenders recognize that the income from short-term rentals can be more stable and predictable than traditional rental income. As a result, borrowers who may not qualify for a traditional mortgage due to factors such as a low credit score or high debt-to-income ratio may still be able to obtain a VRBO mortgage.

Up to

80%

LTV - Purchase

80%

LTV - Rate & Term

75%

LTV - CASH OUT

40, 10Yr I/0

Year Fixed
IO Options

$150K up to $5M

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VRBO Mortgages

Another key feature of VRBO mortgages is that they typically offer higher loan-to-value ratios than traditional mortgages. This means that borrowers can often finance a larger portion of the purchase price of the property with a VRBO mortgage, which can be especially helpful for those who are looking to buy a property specifically for use as a short-term rental.

One potential drawback of VRBO mortgages is that they may come with higher interest rates than traditional mortgages. This is because these loans are considered to be riskier by lenders, due to the unique nature of the short-term rental market. However, for borrowers who are able to qualify for a VRBO mortgage, the higher loan amounts and more flexible qualification standards can make them a good option.

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