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A Loan Program Designed for Only One Thing: Vacation Rental's Cash-out. Refinance. Purchase.

A&J Funding is The Nation's Leading Vacation Rental Lender Scalable: A&J’s vacation rental program is meant to be scalable, and there is no hard limit to how many properties an investor can finance with us. We provide purchase and refinance financing up to 80% LTV. Commonly, a customer obtains a cash-out refinance from A&J to purchase or improve another vacation rental property.

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$100,000 to $1,500,000 million loans

Vacation Rental Long & Short Term Loans

Long-Term Rentals

Long-term rental loans for buy-and-hold investors who rent their properties out on a 6-12 month basis.

    30-year fixed terms: No balloon payments

    No personal income verification: Qualification based on property cash flow

    Entity borrowing options: Borrow under an LLC or corporation

Short-Term Rentals

A short-term rental is a residential property rented for periods ranging from one night to several weeks. This includes listings on platforms like Airbnb and Vrbo, as well as rentals managed independently.

Competitive Rates

Starting at 4.50%

Debt Service Coverage Ratio (DSCR):

1.00

Minimum FICO:

680

We make loans on properties including

  • Non-Owner Occupied 1-4 Family Real Estate
  • Condos
  • Townhomes
  • Planned Unit Development (PUD)

Vacation Rental Financing Features

Our vacation rental loan program is underwritten based on property level cash flow and borrower credit, rather than the borrower’s income.

  • Common sense underwriting of your short-term rents
  • Full 30 year terms (no balloons) for your peace of mind
  • No tax returns required
  • Protect your identity and other assets by borrowing in a corporate entity
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A & J

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