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For Vacation & Second Homes

The getaway that pays for itself.

Keep up to 14 nights a year, rent the rest, and let your escape carry part of its own payment.

Apply for a DSCR loan
Run my second home
Your year, split
14 nights yours168 nights rented
Pays for itself
rental income covers the $3,100 payment
Use vs. earn

Slide the month. Watch it pay you back.

Set the nights you rent each month and the nights you keep each year. Past 14 of your own, the loan type changes.

14 nights yours a year14 nights rented a month
EARN
none rentedrent most of it
your nights a year: 14DSCR limit: 14
It pays for itself
$0
$3,570 rental income offsets 100% of the $3,100 payment. The income covers the payment you entered — the getaway carries itself on these numbers. Cleaning, management, utilities and any month you don't fill are still yours.
Loan path
DSCR investment loan
14 personal nights a year is within the 14-day line in Reg Z comment 3(a)-4, so the property can be treated as non-owner-occupied and financed as business-purpose credit. Expect to sign a business-purpose or occupancy affidavit.
Tax: 14 personal days is at or under the greater of 14 days or 10% of the 168 days rented, so IRC §280A(d) does not treat it as a residence.
Price this as a loan
What it looks like

Six shapes a second home takes.

The structure changes what you can let, and what a lender will count.

Coastal cottage

The classic let: your two weeks in season, nightly bookings around them, and a porch that books itself.

Lake house

Bigger footprint, longer stays. Weekly summer lets tend to carry more of the payment than nightly ones.

Cape Cod cottage

Shoulder-season demand is the swing factor — the calendar, not the headline nightly rate, decides coverage.

Shingle-style retreat

Higher basis, longer bookings, fewer turnovers. Coverage leans on rate per stay rather than nights filled.

Mediterranean-style villa

A warm-market staple. Pool and grounds upkeep is the line most first pro-formas leave out entirely.

Modern coastal retreat

Newer build, lower deferred maintenance, higher insurance. The trade shows up in reserves, not in rent.

A second home, financed like the asset it is.

  • Qualify on the rental nights

    We model the income from the nights you let — not your salary. On the DSCR path, keep your own use to 14 nights a year.

    Run my second home

  • No second-home income docs

    Held to 14 personal nights a year, it's a DSCR investment loan: the property's rent qualifies, so there's no DTI squeeze on top of your primary mortgage.

    How rent-based qualifying works

  • STR-aware underwriting

    Seasonal nightly income is modeled honestly — the number holds when the off-season hits.

    Slow months, underwritten
Illustrative — verify current terms
Educational estimate only — not a rate quote, an approval, or a commitment to lend. Nightly income, occupancy and the real monthly payment are yours to verify. Legal

Ready to apply?

Tell us about the loan you want. We don’t pull your credit when you submit, and nothing here is an approval or a commitment to lend.

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Questions on a deal? Review my deal — one workflow prices, structures, and stress-tests it, and your numbers are saved with the request.

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Price your getaway as a DSCR loan (14 personal nights a year or fewer) — 60 seconds, no credit pull.

Run my second home
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