Rates Starting at 10%
West Forest Capital is a trusted Airbnb property lender, offering financing for real estate investments up to $5 million. Investors choose us for our speed, reliability, and deep understanding of the short-term rental market, because timing can make or break a deal.
We offer hard money loans with the following terms and structure:
| 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 |
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.
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.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.
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.
Traditional lenders move slowly. We don’t. Our team at West Forest Capital offers same-day approvals and can fund your Airbnb property loan in as little as 24 hours, with most deals closing in 3 to 12 days.
Many Airbnb opportunities involve fixer-uppers or properties without rental history. Banks usually avoid these, but we lean in. We fund deals based on potential, not just past performance.
We understand that life happens. That’s why we base our decisions on the property’s value, not your credit score.
If you’re purchasing through an LLC, we treat it as a business-purpose loan, exactly how it should be. This structure gives you the flexibility and protections that come with investing professionally.
At West Forest Capital, we specialize in financing Airbnb investment properties and work closely with real estate investors who need speed, flexibility, and experience on their side. We understand the unique needs of short-term rental projects—from renovation timelines to rental strategy. We’re also happy to review your plans and can connect you with trusted Airbnb property managers when needed.
The short-term rental market offers strong potential, both in property value and income. Many homes are ready for improvement, and the return from Airbnb often outpaces traditional long-term rentals. But competition is fierce. Real estate investors need more than just a good idea—they need capital that moves fast.
At West Forest Capital, we help you stand out to sellers with cash-equivalent funding and keep your project moving forward. From purchase to launch, we make financing your Airbnb investment simple and strategic.
At West Forest Capital, we base our loans on the current “as-is” value, projected renovation costs, and the after-repair value (ARV). We cover a significant portion of the purchase price and often finance 100% of the rehab costs. If your project shifts course (construction runs out of order or the budget changes), we stay flexible to help keep your deal on track.
We also offer one of the longest Airbnb loan terms on the market (up to 24 months), ideal for larger or more complex projects.
Airbnb loans are designed for short-term rentals and include interest rates from 9–12%. We typically lend up to 85% of the purchase price and 100% of renovation costs, keeping the total loan under 65% of the after-repair value. This loan program suits fast-moving projects that banks won’t finance.
We assess the property purchased, its after-repair value, and whether it fits a strong investment strategy. As private lenders, we lend to LLCs, focusing on value, title clarity, and a clear renovation plan, not your personal credit history.
An Airbnb loan supports investors purchasing and renovating short-term rental properties. It’s ideal for buying below market, flipping, refinancing, or accessing a property’s equity quickly, especially when conventional loans aren’t an option.
Once approved, you can access funds quickly, often within days. Our speed helps investors move fast in competitive markets and keep cash flow steady throughout the renovation.
We typically require a minimum down payment of 15%, depending on the deal. Unlike a home equity loan or primary residence mortgage, our investment property loan focuses on the asset and its potential.
We offer flexible Airbnb financing tailored to fit rental properties held in an LLC. Whether you’re looking for purchase funding, rehab capital, or refinancing, our financing options are designed to support investors scaling short-term rental income.
West Forest Capital is the fastest Airbnb Property lender
West Forest Capital