Airbnb Loans in Naples

Rates Starting at 10%

West Forest Capital is a Naples Airbnb Property Lender, financing real estate investments up to $5 million. We have gained a reputation as the fastest Airbnb Lender in Naples because we know how critical each day is in Naples’s competitive real estate market.

We are a direct lender, not a broker
Same day pre-approval
Funding in 12 days, although 3 days is possible
Loan amounts up to $5 million

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(Investment Properties Only)

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Property Types

Lending Parameters

Loan Size	$100,000 to $5,000,000
LTC	Up to 80% of purchase price
Rehab Funding	100%
LTV	Up to 70% of the ARV
Term	Standard is 12 months. 24-36 months is available
Lien	First lien; second lien as additional collateral only
Interest Rate	10%–12.5%
Points	1.5–2% of the loan amount

Towns Covered

West Forest Capital lends in the following towns in Naples:

Naples
Marco Island
Bonita Springs
Everglades City
Immokalee
And Many more!

Recently Funded Airbnb Loans

Naples, FL

Location: Naples, FL
Original Purchase: $1,950,000
Rehab Budget: Not Required
Loan Amount: $1,400,000
Exit Strategy: Paydown
Investor Capital: $550,000
Equity Created: $62,500
Investor Return on Capital: 11,4%

We made a Florida Airbnb loan to a client who purchased a three-bedroom, three-bathroom condo in a sought after building in Naples, Florida. Our client’s strategy was to generate returns by using the property for seasonal and short-term Airbnb rentals, which would generate higher ROIs vs. an annual lease. We provided an Airbnb loan of 71.8% of the purchase price, and our client self-funded light rehab, mostly cosmetic in nature. Our client repaid our loan with a paydown generated from the sale of another property. At the time of paydown, the property experienced appreciation of nearly $63k.

Boynton Beach, FL

Location: Boynton Beach, FL
Purchase Price: $437,500
Rehab Budget: $55,000
Loan Amount: $339,000 at Closing
+ $55,000 Rehab = $394,000
ARV: $570,000
Exit Strategy: Sale
Investor Capital: $98,438
Equity Created: $87,500
Investor Return on Capital: 89%

Our client obtained a Palm Beach County Airbnb loan in Boynton Beach to boost his offer for the property which beat out several other offers with conventional financing. After the needed repairs were completed, the exit strategy was flexible: either a sale or a conventional refinancing once the property was stabilized and rented. Ultimately, our client came across another fix and flip opportunity and elected to sell the rehabbed original property to raise cash for a down payment on the next deal.

Miami, FL

Location: Miami, FL
Purchase Price: $750,000
Rehab Budget: $110,000
Loan Amount: $543,750 at Closing + $110,000 Rehab = $643,750
After Repair Value: $1,125,000
Exit Strategy: Refinance
Investor Capital: $206,250
Equity Created: $265,000
Investor Return on Capital: 128.4%

Our client utilized an Airbnb loan in Miami, Florida to fix and flip this property in Surfside. We funded 72.5% of the purchase price, and 100% of the $110,000 rehab budget. Our client spent approximately 5 months renovating the house, and thereafter, the property sold within a week of being on the market. The closing took place approximately a month later, and although the loan was only outstanding for 6 months, there was no prepayment penalty assessed. Our loan was paid back with a portion of the proceeds from the sale, netting our client north of $200k after accounting for all holding and closing costs.

Why Use an Airbnb Property Loan

If You Need Rapid Funding: Unlike traditional banks that may take months to process your loan application, West Forest Capital offers same-day approval for Airbnb Property loans, with funding available in just 3-12 days. In urgent cases, we can even provide funding within 24 hours.
Because the Property Requires Renovation: Traditional banks often shy away from financing Airbnb properties that do not have a rental history. West Forest Capital specializes in funding Airbnb Property loans for properties that do not meet standard banking criteria.
If You Have Less-Than-Perfect Credit: At West Forest Capital, we understand that situations come up in life that might impact credit. That’s why we focus on the property’s value rather than your credit score when underwriting the loan.
It’s Investment Real Estate: Typically, banks require loans to be made to individuals. But you are purchasing the Airbnb property as an investment and it should be treated as such by being in an LLC. This way, you get all of the benefits of owning an LLC, and the loan is structured as a business-purpose loan to your LLC.

Why Choose Us For Your Naples Airbnb Property Loans

We love helping real estate investors who are doing Airbnb projects in Naples, and we take pride in being a local Naples Airbnb Property Lender. We understand the permit requirements and other regulations. We can also review your Airbnb plans and even connect you with an Airbnb property manager.

Finance your Naples Airbnb Property

Naples is an excellent market for Airbnb Investments. The demand is there, and the housing stock is also available to be improved. Furthermore, the return on Airbnb versus long-term rental is attractive.

At the same time, this environment creates a competitive market and many real estate investors are looking to do Airbnb projects in Naples. Our team at West Forest Capital is ready to not only help you stand out to the seller by having commitment cash-equivalent capital but will also make sure your Airbnb gets up and running smoothly.

Asset-backed Lender Focused on Customized Solutions

We are guided by the current “as-is” market value, the renovation costs, and the “after-repaired value.” We are easy to work with and typically provide a large amount of the purchase price and 100% of the rehab costs. We are also flexible: if you do the construction out of order from your original schedule, or have a budget overrun, we will work with you to make sure your fix and flip in Naples is successful.

West Forest Capital also offers the longest bridge Airbnb Loan available on the market (2 years), which is a great option for those projects that may take a bit more time.

Call us today and let’s talk about your loan scenario. Most likely, we will be able to fund you.

Frequently Asked Questions

What are Airbnb Property lenders?

West Forest Capital specializes in asset-based loans for Airbnb properties, placing more importance on the property’s value than your credit history. Unlike traditional banks, we provide quick and dependable funding, with loan approvals and funds disbursed in just a few days. Our hassle-free approach is ideal for properties in need of repairs or those without a Certificate of Occupancy.

How do Airbnb Loans work?

West Forest Capital makes getting an Airbnb loan easy. Interest rates are typically between 9 and 12%, with closing costs already included. Our loans cover up to 85% of the property’s purchase price and fund 100% of renovation expenses, paid out in stages as work is completed. These short-term loans are structured to keep the total financed amount below 65% of the property’s after-repair value (ARV).

What do Airbnb Property lenders look for?

We are a private money lender offering loans primarily to LLCs instead of individuals. When evaluating a loan, we consider the property’s purchase price and its after-repair value (ARV) to make sure the investment is a good one. We also focus on buying below market value, sticking to the rehab plan, and ensuring the title is clear. Our priority is helping you succeed in your investment so you can repay the loan smoothly.

What is an Airbnb loan used for?

West Forest Capital’s Airbnb loans are a great fit for real estate investors, especially when traditional banks fall short. These loans offer the speed and flexibility needed for buying and renovating properties, whether you’re flipping them, renting them, or making fast purchases at auctions. They’re also useful for cash-out refinancing, refinancing current mortgages, or buying properties under an LLC, something traditional banks often avoid.

What should I consider before applying for an Airbnb Loan for an Airbnb?

Before applying for an Airbnb loan, confirm the property has good profit potential and develop a well-thought-out renovation plan. West Forest Capital will review the project’s feasibility and profitability as your private lender. To make the most of your financing with flip lenders, it’s essential to understand the loan terms and ensure they fit your project’s budget and timeline.

How quickly can I access funds once approved for an Airbnb Loan?

Following approval, West Forest Capital sets itself apart with a fast funding process. You’ll get the money for your Airbnb project quickly, allowing you to purchase and renovate your property without delays. This efficiency is one of the reasons why we’re a favored flip lender in the real estate market.

Airbnb Loans in Naples

Property Types

Lending Parameters

Towns Covered