The U.S. short-term rental (STR) market continues to be one of the most profitable real estate investment opportunities for both U.S. expats and foreign national investors. Demand remains strong, with the U.S. STR bookings up 7% year-over-year in 2024 and occupancy rates projected to reach 56% by the end of 2025, according to AirDNA. Platforms like Airbnb and Vrbo have made it easier than ever to turn vacation homes and rental properties into steady income streams. However, financing these properties—especially for foreign nationals and U.S. expats—can often be the biggest hurdle.
That’s where America Mortgages’ Short-Term Rental+ loan program steps in.
This specialized financing solution is built specifically for international investors and U.S. expats looking to break into the U.S. STR market—without the typical roadblocks.
Why It Works for Investors
Unlike traditional mortgage products that require U.S. credit history or proof of personal income, AM Short-Term Rental+ is different.
You qualify based on the property’s rental income—not your personal income.
If the projected short-term rental income covers your mortgage payment—you qualify.
It’s that simple.
Key Benefits:
- Minimum Loan Amount: Starting from $100,000
- Loan-to-Value: Up to 80% for U.S. citizens and 75% for foreign nationals
- Underwriting: Based on the property’s rental income, with no personal income documents required
- Credit Requirements: No U.S. credit required
- Closing Time: Typically 30-45 days
Tailored Financing for U.S. STR Investments
Whether you’re buying a beach house in Florida, a cabin in the Smoky Mountains, or an urban loft in Austin, the U.S. STR market is full of opportunities. With rising rental demand and average daily rates increasing year over year, securing the right financing is key to maximizing your returns.
The AM Short-Term Rental+ program makes that financing possible—no U.S. credit score, no W-2s, just the property’s income potential.
Short-term rentals aren’t the only profitable path for foreign investors looking at U.S. real estate. Last week, we explored Section 8 investing—a strategy that offers guaranteed rental income through government-backed tenants.
Missed Our STR Webinar?
If you haven’t already, watch our exclusive webinar, “Unlock the Secrets to U.S. Airbnb & Short-Term Rentals.”
👉 Recording Available Here
Key Q&A Takeaways with Robert Chadwick (RC) and Rob Mehta (RM):
How do STR investors protect their investments during slow periods?
RM: Risk is higher on the coasts due to weather and insurance costs, but demand stays strong in peak seasons. Adjusting rates in slower months and using the property personally during downtime are common approaches.
What types of properties and upgrades perform best?
RM: Private pools for single-family homes are essential, while condos with amenities like gyms and community pools attract families. Proximity to restaurants and attractions boosts bookings and reviews.
How long does it take for non-U.S. citizens to get financing?
RC: Pre-approval within 24-72 hours; closing typically in 30-45 days. No U.S. credit is required.
Most popular financing option for STR investors?
RC: AM Short-Term Rental+ Loan—qualifies based on rental income, not personal income.
What’s the current rate for a 30-year fixed mortgage?
RC: High 6% range for U.S. citizens, typically 0.5% to 1% higher for foreign nationals.
👉 Read the full Q&A Here.
Ready to Invest?
Whether you’re a foreign investor looking to maximize U.S. rental income or a U.S. expat seeking to build your property portfolio, our Short-Term Rental+ Loan gives you the financing solution to make it happen—fast.
Speak to our team today and start unlocking the U.S. STR market.
- Schedule a call with a loan officer to discuss how the Short-Term Rental+ Loan can work for you
- Call us directly at +1 (845) 583-0830 for immediate assistance
- Email us at [email protected]
- Visit us online at www.americamortgages.com to learn more about this unique program
