The questions people actually ask.

Gross rents divided by PITIA: principal, interest, taxes, insurance and any HOA dues. On a refinance the rent side is usually the trailing 12 months of booking statements; on a purchase it is the appraiser's short-term rental analysis, which many lenders haircut for vacancy and management. Most programs want 1.00 to 1.25. Some will go below 1.00 in exchange for lower leverage and a higher rate.

Purchases typically top out at 75 to 80% LTV, cash-out refinances at 70 to 75%. Pricing moves on your FICO band, LTV, DSCR, loan size and the prepayment penalty you accept: a five-year step-down buys a lower rate than a three-year or none. Short-term rental programs often price a little above the long-term rental equivalent.

Second-home loans price best but assume you occupy the property, and you cannot qualify on its rental income, so a year-round STR is a poor fit. Conventional investment loans qualify on your debt-to-income and cap out at ten financed properties. DSCR qualifies on the property alone, closes in an LLC and has no property-count cap, which is why most operators past their second or third door end up there.

Plan on 6 to 12 months of PITIA in reserves per financed property, more on larger loans or a first investment property. Many STR programs also ask for hosting history or a professional manager; without either, some cut leverage by five to ten points rather than decline.

Yes to both, usually. DSCR loans routinely close in an entity, and each member with 20% or more ownership typically guarantees the loan and has credit pulled. Your entity documents (articles, operating agreement, EIN, good standing) are collected once in your profile and reused on later files.

Underwriting assumes the income is legal. Where a market caps permits or bars non-owner-occupied rentals, the lender will ask whether the permit transfers with the sale, and may underwrite to long-term rent if it does not. Confirm transferability before you are under contract; it is the most common reason an STR file falls back to long-term numbers.

No lender underwrites to a third-party projection, ours included. On a purchase the appraiser's rent schedule sets the number; on a refinance, your booking statements do. Our projection is for screening deals and for knowing roughly what the appraisal needs to show.

The research tools are free, and nothing is charged before you choose a lender. When you do, every fee is on the term sheet: origination and any discount points you buy down with, processing, and a flat $1,995 underwriting fee, whatever the lender charges behind it.

Yes. No card, no trial clock, no export paywall.

No. The calculator runs in your browser and we do not store the numbers you type. If you want to keep a scenario or send it to a partner, copy the share link: everything you entered is encoded in the URL.

Measured stats from markets we have pulled data on, captioned so you can see what they are. Every field is editable.

No. It comes from a rate matrix keyed to credit band and loan-to-value: planning grade, nothing more. A real rate depends on the property, the appraisal, and the day you lock. Send us the deal for the real number.

Yes. Enter what you paid and what it earns and you get the same coverage read a lender would run on a refinance or a cash-out.

The market map runs inside the product today and opens publicly next. Amenity ROI and the regulation lookup follow it.

We build and run the marketing for a rental: a property website that takes direct bookings, a name and a look, the social accounts, and posts going out every week.

No. The two lines are separate.

Packages are monthly and start at $490 a month, with a one-time build if you need the site and the brand from scratch. No setup fee stacked on top, no annual contract.

Both, and in that order. A model drafts from the property's photos, calendar and market; a person edits before anything publishes.

Yes, from the first day. The domain, the site and the social handles are registered in your name.

A launch build is usually two to three weeks from the day we have photos to a site taking bookings. Posting starts the week after the accounts are warmed up.

Two ways. Lenders pay us when a loan closes, which is most of the revenue. Owners pay us monthly for marketing services.

No, we are a broker. We package your file and place it with lenders who fund short-term rentals every week.

A loan that falls apart in underwriting pays nobody, so the real incentive is placing your file where it will close.

Financing goes wherever our lender partners lend, which is most of the country. The market data covers a shorter list of markets we have measured.

No. A first conversation is a soft look at stated numbers. Credit is pulled once, with your written authorization, after you are under contract and have decided to apply.

Run the calculator, read the market write-ups, and come back when there is an address.