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Vacation Rental Home Loans 

Cash-Out. Refinance. Purchase.

A Loan Program Designed for Only One Thing: Vacation Rentals

Our vacation rental loan program is underwritten based on property level cash flow and borrower credit, rather than the borrower’s income. As a result, our vacation loans are the market leader for self-employed investors and investors building a portfolio of vacation rental properties.

Vacation Rental Financing Features

• Common sense underwriting of your short-term rents

• Full 30 year terms (no balloons) for your peace of mind 

• No tax returns required

• Simple, haggle-free pricing you can depend on

• Protect your identity and other assets by borrowing in a corporate entity

Contact Us to Start Your Loan

REO Lending is The Nation's Leading Vacation Rental Lender

Scalable: REO’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 75% LTV. Commonly, a customer obtains a cash-out refinance from REO to purchase or improve another vacation rental property. Since late 2015, REO has financed more than $2.0 billion in Rental360 loans, including $545 million in vacation rental properties

Finance Your Investment Property Today

A Swift and Easy Process You Can Rely On

Application Stage

You provide us a completed application and pay for the appraisal. We evaluate your credit.

Point of Contact: Account Executive (AE) 

Sent to Processing

One of our loan processors is assigned and works with you on gathering the rest of our required documentation.

Point of Contact: Processor

Closing Stage

Your Processor submits full loan package to underwriting team; once approved we schedule your closing.

Point of Contact: Processor & AE