Airbnb Financing Without Tax Returns

Qualify for Airbnb financing using the property's cash flow instead of tax returns so you can buy your rental property and build your Airbnb empire.

Need AirBnB Financing?


As a real estate investor, the risk of your mortgage loan being denied is much greater because of how most banks qualify your income. If your loan is denied, you could miss your closing date and lose out on your AirBnB investment property.

LoanBud investor mortgages can be used to purchase properties that will be rented out via Airbnb or other short-term rental options. Unlike most banks, we allow you to qualify solely based on the expected rental income.

Ready to get started?

Why LoanBud?



Qualify based on the property's expected rental income instead of using your tax returns or personal income.


Preserve liquidity with as little as 20% down payment required for a rental property.


Maximize the amount of equity you can access with a cash-out refinance of up to 80% of your investment property's appraised value.


Loanbud does not limit the number of mortgages you can have for investment properties.


You can buy your first Airbnb rental or other investment property with this program, and gifts can be used for down payment funds.

Jumbo loans up to $5 million for the purchase of larger investment rental properties.

Getting a Loan with LoanBud
as Easy as 1, 2, 3 ...


Schedule a Consultation

Speak with one of our experienced loan officers who will understand your goals and help create a plan.


Know Your Options

Discover what options are available to you and have confidence knowing your income has been reviewed up front.


Close Your Loan

Relax as we guide you through a stress-free loan process so you can close on time.

Airbnb Financing FAQs

What are the Airbnb rental property loan requirements?
Qualifications to get approved for a rental property loan include:
  • FICO score of 620 or higher
  • Having a down payment of at least 20%, which can be in the form of a gift
  • Market rent of the property should be greater than or equal to the new mortgage payment
Is it difficult to get approved for an AirbnB real estate investment loan?

Not at all! Since our investment property loans do not require personal income (or tax returns), the approval process is much easier. 


Finding a lender like LoanBud that offers investor-focused lending programs will help you secure an investment property loan quicker and with less restrictive terms, such as:

  • Not requiring tax returns or personal income required
  • Providing loan to value (LTV) as high as 85%
  • Offering larger loan sizes up to $4,000,000
  • Permitting to use of gifts for the down payment or closing costs
  • Allowing first-time home-buyers

What is your interest rate?

Typically, investment property loans typically carry interest rates that are 0.5% to 1.50% higher than conventional home loans for primary residences. However, the final interest rate on an investment loan will depend on a number of factors such as your FICO score, down payment percentage, and whether your income is qualified using tax returns or solely based on the property. 


At LoanBud we offer flexible guidelines and terms. 


Schedule a consultation today to learn about our loans for real estate investors

What is the down payment on an investment property?

The minimum down payment for an investment property is typically 20% for loan amounts up to $2.5 million.  For larger loan amounts, higher down payment amounts are required.

What is the maximum cash out on a jumbo refinance?

We believe the equity in your home belongs to you, and that limiting the amount of cash back one can receive from a refinance is just wrong.  Unlike other lenders, at LoanBud we do not limit the total amount of cash back you can receive.

What is the minimum down payment?

The minimum down payment for an Airbnb mortgage is 20% and the expected income generated from the property should be enough to cover the new mortgage payments.

More Ways to Qualify for Airbnb Financing


At LoanBud, we understand that many people would like to build wealth through AirBnB rental income. To do that, you need a mortgage. The problem is that most real estate investors have a tough time getting approved for a mortgage because of their tax returns, which makes you feel frustrated and defeated. That’s why we allow real estate investors to qualify using a property’s rental income instead of using tax returns or personal income.

With our unique programs you can:
•  Preserve liquidity with lower down payments
•  Qualify based on rental income for the property
•  Use up to 100% gifts for down payments
•  Obtain larger loan sizes, up to $4 Million
•  Have an unlimited number of mortgages
•  Experience more flexible credit guidelines

Here’s how it works: 

1) Schedule a Consultation 

2) Know Your Options 

3) Close Your Loan 


Request a free consultation today so you can stop worrying about getting approved for a mortgage and start building your AirBnB empire.


Learn Your Airbnb Financing Options