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Eligibility Criteria and Requirements To obtain a conventional bank loan for short-term rentals, you’ll need to meet certain criteria and fulfill specific requirements. These may include: 

• Demonstrating a strong credit history and score. 

• Providing proof of stable income and employment. 

• Presenting a detailed business plan for your rental property. 

• Offering collateral or a down payment. 


1. Longer repayment terms, allowing for manageable monthly payments.

2. Access to larger loan amounts, enabling you to invest in multiple rental properties. 


While there are benefits, it’s important to consider the downsides as well: 1. Stricter eligibility requirements may make it harder to qualify for a loan. 2. Lengthy application and approval processes can cause delays in acquiring funds.  

Exploring Feng Capital loans is an excellent step towards financing your short-term rental venture. By understanding the eligibility criteria, advantages, and disadvantages associated with such loans, you can make an informed decision that suits your needs in the competitive rental market.

Short-Term Rental

Short-term rental financing refers to loans that can help you cover the costs of purchasing a short-term rental property and getting your short-term rental business set up.

Loan Amounts

Up to $20M

Loan Term

3, 5, 7, & 10 Year


Up to 70%


Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Multi-Family Apartment Buildings (5 – 9 Units)

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