Use vs. earn
Slide the month. Watch it pay you back.
Drag the split between nights you keep and nights you rent. The more you rent, the more your getaway offsets its own payment.
16 nights yours14 nights rented
keep it allrent most of it
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.
What it looks like
Six shapes a second home takes.
The structure changes what you can let, and what a lender will count. Each of these qualifies on the nights it earns.
Coastal cottage
The classic let: your 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. Use it yourself the rest of the year.
No second-home income docs
It's a DSCR investment loan: the property's rent qualifies, so there's no DTI squeeze on top of your primary mortgage.
STR-aware underwriting
Seasonal nightly income is modeled honestly — the number holds when the off-season hits.
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.