Airbnb. VRBO. Short-term rentals. We fund them — without your tax returns.

Short-term vacation rentals are among the fastest-growing segments in

real estate investing — and one of the most misunderstood by traditional

lenders. Most banks can't figure out how to underwrite Airbnb income, but we do

it every day.

At Onyx Capital Lending, we finance vacation rental properties for investors

across 48 states. Whether you're buying a beachfront property, a mountain

cabin, a lake house, or an urban short-term rental — we have a loan

program tailored to your deal.

We qualify based on the property's short-term rental income potential —

not your W-2s, not your tax returns, and not your personal debt-to-income ratio.

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LOAN HIGHLIGHTS

✅ Loan amounts from $150K to $3M+

✅ No tax returns or W-2s required

✅ Qualification based on short-term rental income (Airbnb, VRBO)

✅ Market rent AND projected STR income considered

✅ Beachfront, lakefront, mountain, and urban rentals eligible

✅ New STR investors and experienced operators welcome

✅ LLC, LP, and corporation vesting accepted

✅ Close in as little as 14 days

✅ Available in 48 states

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ELIGIBLE PROPERTY TYPES

• Beach houses and oceanfront properties

• Lake houses and waterfront cabins

• Mountain cabins and ski properties

• Urban short-term rental apartments and condos

• Luxury vacation villas

• Rural retreat and glamping properties

• Single-family homes in high-demand tourist markets

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HOW WE QUALIFY YOUR VACATION RENTAL

Traditional lenders struggle with short-term rental income because it

doesn't fit on a standard tax return. We use a smarter approach:

• Market rent analysis for the area

• AirDNA or equivalent STR income data

• Actual booking history (if available)

• Property value and equity position

If the numbers work — we fund it. Simple as that.

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WHO THIS IS FOR

Vacation rental loans at Onyx Capital Lending are designed for:

• Investors acquiring their first short-term rental

• Experienced Airbnb hosts scaling their STR portfolios

• Buyers purchasing in high-demand vacation markets

• Investors converting long-term rentals to short-term

• Out-of-state investors buying remotely in vacation destinations

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THE STR OPPORTUNITY IS NOW

Short-term rental demand continues to outpace hotel supply in most

vacation markets. Investors who move fast and secure financing quickly

capture the best properties before the market does.

Don't let a slow lender cost you the deal.

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READY TO FUND YOUR VACATION RENTAL?

Tell us about your property and target market. We'll structure

a loan around your STR income and get you to closing fast.