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

Regardless of the type of property you own, refinancing your mortgage for a lower interest rate can result in substantial savings and a faster payoff. Hurst Lending offers programs that enable homeowners to refinance their vacation rental using short-term income from VRBO and Airbnb to qualify.

Client Reviews

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4.9 ★★★★★ 48 reviews

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.


Loans for your 1-4 family rental property.


Low rate loan for properties.


Access the equity in your paid off 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.

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, and (3) acquire properties without high cost hard money loans.

We also love to work with new investors (who have solid w-2 jobs) to help them get started 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 provide our clients the same suite of tools, legal 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.

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 first 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...

VRBO Airbnb Income Mortgage Refi

VRBO Airbnb Income Mortgage Refi

Want to use your short-term rental income to refinance your mortgage?  Historically, Short-Term Rental Income Could Not Be Considered When Qualifying for a Refi Refinancing your mortgage for a better interest rate can translate to big savings and a quicker mortgage...



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