The Investment That Feels Like Freedom
Financing with Purpose
At Rentopia Mortgage, we understand that real estate isn’t just about numbers—it’s about what those numbers make possible. For some, a long-term rental means peace of mind, steady income, and the quiet confidence of building generational wealth over time. For others, a short-term rental represents flexibility, higher returns, and the excitement of turning a property into a personal brand and guest experience.
Whether you’re in it for stability or scale, passive income or creative control, we’re here to finance your vision.
Because behind every rental is more than a property—it’s a purpose.
Short Term Rental
Short-Term Rentals, Long-Term Gains
The term “short term rental” applies to a property listed for nightly rental on sites such as Airbnb and VRBO.
In this arrangement, the owner is responsible for utilities, furnishings, maintenance, repairs, cleaning, marketing and management fees imposed by the respective sites. The rental income varies each month based on the number of nights rented and nightly rental rate. Properties should generally exist in desirable areas, as they rely on tourism for tenancy.
HOA or Condo bylaws must be considered when contemplating the purchase of a property for short term rental usage. Some projects prohibit this structure.
While requiring more oversight from the owner, this structure can be very lucrative for the right property, especially when located in a vacation destination.
This type of investment property structure is generally new in the industry and requires expertise from your mortgage professional to navigate. At Rentopia Mortgage, we’ve been working with short term rentals since they came into our industry and fully understand how they impact the mortgage process.
Data-Driven Rental Forecasts
Past Performance is the best predictor of future performance.
Our Rentopia Mortgage Short Term Rental Data Sheet uses historical short term rental data from comparable properties to predict rental potential of the subject property including:
Estimated number of nights per year the property is predicted to rent.
Estimated average nightly rental rate.
Market performance based on demand, growth, seasonality, regulation, and investability data.
Estimated gross and net rental revenue.
Long Term Rental
Stable, Predictable Income Through Traditional Leasing
The term “long term rental” applies to a property with a tenant in place for the full term of a written lease, most commonly one year.
In this arrangement, the tenant is responsible for utilities and furnishings. The owner is responsible for maintenance and repairs. The rental income is stable and predictable each month for the term of the lease. Properties can generally exist in any area, as they don’t rely on tourism for tenancy.
This type of investment property structure has existed for decades and is generally understood and accepted in the industry.
FAQ
frequently asked questions
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Long-term rentals are leased to tenants for extended periods, typically 6–12 months or longer.
Short-term rentals (STRs) are usually rented out for a few days to a few weeks—often through platforms like Airbnb or Vrbo.
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Short-term rentals often generate higher monthly income, especially in high-demand areas. However, they also come with more variability and higher operating costs.
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Long-term rentals are generally more passive—less frequent tenant turnover and fewer management needs. STRs require constant guest communication, cleaning, and maintenance, unless you hire a property manager.
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Yes. Lenders may have stricter requirements for short-term rental properties due to market fluctuations. At Rentopia Mortgage, we offer both DSCR and asset-based loans for both rental types, with custom solutions for STR investors.
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Short-term rentals are subject to local laws, zoning rules, and licensing, which can vary by city. Long-term rentals usually face fewer regulatory hurdles.
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Both can build wealth—long-term rentals tend to offer more stable cash flow and appreciation over time, while short-term rentals can boost cash flow quickly but require more hands-on effort and risk management.
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Yes, but be sure to check local laws and your mortgage terms. Some loans may restrict short-term rental use, and some cities limit STR licenses.
Take the Next Step with Rentopia Mortgage
We make it easier for real estate investors to grow—no income docs, no red tape, just smart, streamlined financing built for your goals. Whether you're expanding your portfolio or jumping on your next deal, we're here to help you move fast and invest with confidence.