Rate

6.5%

Time to close
10 to 21 Days

Loan Amount

$250k to $4M

Short Term Rental

Customized loans to grow your vacation rental business with platforms like Airbnb or VRBO.

Term
15/40 Yr or Interest Only
Leverage

85% LTV

$250k to $4M

Min/Max Loan Amount

85% LTV

Loan-to-Value LTV
Loan-to-Cost (LTC)

6.5%

Rate
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10 to 21 Days

Closing Timeline
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Step 1: Submit Your Deal

Email, Phone & SMS Consent Notice:
By providing your name and contact information, you expressly consent to receive communications from Vestra Funding, its agents, and affiliated partners. These communications may include phone calls (including to any wireless number you provide) using an automatic telephone dialing system or artificial/pre-recorded messages, as well as text messages and/or emails for the purpose of marketing mortgage products and services.

Your consent is not a condition of purchasing any product or service. Message and data rates may apply. You may revoke your consent at any time by calling us at 949-243-7286 or emailing info@vestrafund.com to be placed on our do-not-call list.

By clicking Submit, you consent to receive SMS notifications, alerts, and occasional marketing communications from Vestra Funding. Message frequency may vary. Message and data rates may apply.

Who can apply?

We strive to make our loan process simple and accessible to everyone.

Experience

First Time Investor OK

Loan Term

15/40 Yr or Interest Only

Credit score

680+ Score

Our Mission Card Icon

Liquidity/Reserves

15% Down + 6mo. Reserves

Property Type

SFR, Condo, Townhome, 1–8 Units

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DSCR Calculator

Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).

Loan Details

Monthly Expenses

Key Loan Terms for Real Estate Investors

Transparent and Investor-Focused Loan Terms

Product Type
Short Term Rental
Experience Required:
First Time Investor OK
Minimum Credit Score:
680
Liquidity:
15% Down
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 21 Days
Draw Schedule:
N/A
Rate:
6.5%
Loan-to-Value LTV:
85%
Loan-to-Cost (LTC):
N/A
Loan Term:
15, 20, 30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–8 Units
Loan Amount Min:
$250k
Loan Amount Max:
$4M
Product Specifics:
90% CLTV, Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units

Meet Trevor

Trevor Curran is a mortgage executive and investment-property financing specialist with over four years of experience focused primarily on business-purpose and non-owner-occupied lending. As President of Vestra, Trevor leads with a deep understanding of DSCR, bridge, fix-and-flip, and ground-up construction financing, helping investors access reliable capital with clarity and precision. He has personally originated nearly $85 million in loan volume and overseen more than $250 million in production, building a reputation for structuring complex investment deals in a way that feels streamlined and repeatable for clients.

Prior to launching Vestra, Trevor served as Vice President of Operations at a correspondent/broker mortgage firm, where he helped scale annual volume from $70 million to over $100 million and led the expansion of business-purpose originations, which grew to represent the majority of company production. He built and maintained the company’s pricing engine, trained and developed new loan officers into top producers, and established operational systems that supported consistent growth. Trevor combines hands-on origination experience with executive-level operational leadership, bringing both strategic vision and execution to every transaction and partnership.

What our customers say

A range of loan options designed to meet the unique needs of every homebuyer.

Recently Funded Properties

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$350,000.00

DSCR

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Galway Lane, Henrico, VA, 23228

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$350,000.00

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Galway Lane, Henrico, VA, 23228

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$1,155,000.00

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Ihilani St, Kaneohe, HI, 96744

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$302,400.00

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4th Ave Henrico, Henrico, VA, 23222

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$101,250.00

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Bryan Ave, Monoca, PA, 15005

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$88,000.00

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Haverhill St, Detroit, MI, 48224

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$679,250.00

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Arapahoe Ave, Apple Valley, CA, 92,307

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$522,000.00

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North 131st Lane, Litchfield, AZ, 85340

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$268,830.00

Conv

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Tridle Pl, Chula Vista, CA, 91911

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$621,000.00

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Farrington Hwy, Waianae, HI, 96792

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$155,775.00

DSCR 2nd

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East Nine Dr, Laguna Niguel, CA, 92677

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$180,000.00

DSCR

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Cahaba Dr SW, Atlanta, GA, 30311

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$269,600.00

DSCR

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West Beechwood Dr, Rogers, AR, 72756

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$394,322.00

DSCR

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Illinois Ave, Palm Desert, CA, 92211

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$144,800.00

DSCR

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North 56th Terrace, Fort Smith, AR, 72904

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$219,750.00

DSCR

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Raleigh St, Hopewell, VA, 23860

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$265,000.00

Fix N Flip

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Sierra Ave, Indio, CA, 92201

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$367,500.00

DSCR

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N 20th St, Richmond, VA, 23223

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$318,750.00

DSCR

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Fairlake Lane, Glen Allen, VA, 23060

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$686,000.00

DSCR

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Farrington Hwy, Waiane, HI, 96792

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$1,665,000.00

Bank statement

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Kamehameha Hwy, Kaneohe, HI, 96744