1-877- 292-7350 jhurst@hurstlending.com

Airbnb Loans

Refinance using short-term rental income.

Use Short Term Rental Income to Qualify for Your Refinance

If you’re a property owner, you might be missing out on significant savings and a quicker payoff if you haven’t considered refinancing your mortgage. By taking advantage of lower interest rates, you could unlock substantial financial benefits regardless of the type of property you own.

As an expert AirBnB lender, we offer specialized programs that allow vacation rental homeowners to use their short-term rental income from VRBO and Airbnb to qualify for a mortgage refinance. Don’t let this opportunity slip away – contact us today and discover how we can help you achieve your financial goals!

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I’ve worked with Jay Hurst on several loans.  Jay is extremely knowledgeable and helpful, and was able to advise me on the options for my recent purchase. Great guy to have on your side, and great rates!

Kevin B.

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Hurst Lending was very easy to work with and stayed in constant contact with me throughout the loan process so I never had to wonder what the status of the loan was.

Naomi R.


Hurst Lending
Based on 58 reviews
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Over $1 Billion in Loans Funded

And we're just getting started!

We're Expanding

Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.

How to Refinance Your Mortgage with Airbnb Income

Use Short Term Rental Income

As business evolves, it’s crucial to keep up with market changes and mortgage loan borrowers’ needs. We were able to create a program that lets clients use their rental revenue to refinance their mortgage because more than half of short-term rental property owners pay most of their mortgage with it. Hurst Lending will refinance a mortgage using Airbnb and VRBO short-term rental revenue before two years of income history.

Directly from VRBO & Airbnb

Hurst Lending can verify refinance qualifications using VRBO or Airbnb rental income data. Hurst uses reliable, real-time data to determine your Debt Service Coverage Ratio (DSCR) and better qualify and approve mortgage refinances.

Large Loans & Multiple Properties

Hurst Lending’s program permits loans up to $5 million, subject to specific limitations. Hurst also provides refinancing for an unlimited number of investment properties for our investor clients who have portfolios with numerous properties. Contact Hurst Lending for a complete listing of the benefits and restrictions of our products.

Why Use Our Services?

Make a Smart Move


Include VRBO & Airbnb Income for Mortgage Refinance

We Use Documents Directly from VRBO and Airbnb

The accurate, real-time data helps us use the information to calculate your Debt Service Coverage Ratio and gives us better tools to qualify and approve your mortgage refinance.

Larger Loans and Multiple Properties are OK

For customers who have multiple Airbnb properties, we offer refinancing for an unlimited number of investment properties. 


Short Term Rental Expertise

We have structured a program that allows customers to use that income to refinance their mortgage.

Quick Decisions, Quick Closing

No unnecessary red tape, no contingencies.
“Football’s hard.
Refinaning your Airbnb doesn’t have to be.”


Dat Nguyen, Hurst Lending Investor
Former Pro Football Player & Coach


Call 1-877-405-3465

We Also Offer Other Investor Loans



We secure real estate investor loans.

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Loans for your 1-4 family rental property.

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Low rate loan for your properties.

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Access the equity your properties.

Not Just Lenders - Problem Solvers!

Great Rates

Lots of mortgage lenders can offer a good rate on a conventional loan. We can too – in fact, our rates are some of the best around.

Unique Solutions

The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.

Get a Loan on Your Short Term Rental

About Hurst Lending's Real Estate Investing Services

Our founders started out as residential real estate investors and they learned how to leverage their borrowing capacity to build a high-quality real estate portfolio over time.  Along the way they built Hurst Lending and created a deep suite of loan products to address needs they had as real estate investors.  Our loan products help investors: (1) grow their portfolios, (2) access their equity with no seasoning period or obtain an investment property HELOC, and (3) acquire properties without high-cost hard money loans.

We also love working with new investors (who have solid w-2 jobs) to help them start investing in real estate.  People with w-2 jobs are able to access low-cost long-term fixed-rate financing and this is the best way to grow your portfolio over time.  The main thing that holds people back is the uncertainty about being a landlord and not having the tools to get started.  We solve this issue by offering our mortgage clients access to our real estate investing experts and providing our clients the same suite of tools, contacts, and contractors used by our founders for their own investment properties (at no extra cost).*  If you are interested in growing your portfolio or getting started investing in Real Estate, click the get started button below or feel free to reach out to Scott Bialek, one of our founders, at sbialek@hurstlending.com.  He loves helping real estate investors grow their portfolios.

*Some services are only available in limited locations and offers may be changed at any time.

Over $1 Billion in Loans Funded

And we're just getting started!

We're Expanding

Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.

Latest Blog Posts

Winning A Competitive Real Estate Investment Edge – Part II

Winning A Competitive Real Estate Investment Edge – Part II

How to Save & Make Money Buying a “Fixer Upper” as an Investment Property By Scott Bialek, Co-Founder of Hurst Lending In my fist blog of this 3-part series, I shared a case study in which a bridge loan was the key to not only winning an edge over other buyers,...

Winning A Competitive Real Estate Investment Edge – Part I

Winning A Competitive Real Estate Investment Edge – Part I

Using a Bridge Loan to Win a Competitive Edge by Scott Bialek, Co-Founder of Hurst Lending People say I’m a problem solver because I’m constantly looking for ways to help real estate investors (myself included!) be more successful and overcome common stumbling...