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Refinance
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(973) 705-7725Up to $5M for your next Airbnb, VRBO, or mid-term rental*
Short-term rental investors move fast — your financing should too. Our Short-Term Rental DSCR Loans are built for Airbnb and vacation rental investors who need scalable, property-based funding that rewards cash flow, not tax returns. Grow your portfolio with speed, flexibility, and confidence.
Loans up to $5 million¹
Fixed-rate or interest-only options
Purchase and refinance programs
Traditional lenders don’t understand Airbnb economics — we do. Our STR DSCR loans are built around nightly and seasonal performance, not W-2s or tax returns. If your property cash flows, you can qualify.
Based on proven or projected Airbnb/VRBO rental data.
Most STR deals close in weeks, not months.
Finance one property or dozens under a single lending partner.
Approval is based on the property, not your personal finances.
"Their team are top notch. I’ve done multiple loans with them. Highly recommend."
-Matthew
Phillipsburg, NJ
"This company is AWESOME...great communication and such a quick closing. "
--Tracy
Cocoa Beach, FL
"Highly recommend Brick City Capital for all DSCR needs"
-John
Newark, NJ
"Highly recommend Brick City Capital for all DSCR needs"
-John
Newark, NJ
Loan size: $75,000 – $5,000,000
Minimum DSCR: 1.15+ (based on STR gross or adjusted rents)
Minimum credit score: 660 (lower considered with compensating factors)
Required documentation: Appraisal, market rent estimate (AirDNA, AllTheRooms, or local comps), credit profile
Eligible properties: Single-family homes, condos, townhomes, 2–4 unit properties, short-term rental portfolios
We evaluate deals like investors do: if your short-term rental cash flows, you’re already halfway to approval.
We currently offer SFR DSCR loans in 46 states, and large metro areas nationwide — giving you a single partner as you scale across markets.
Austin, Nashville, Miami, Phoenix Denver
Florida Panhandle, Gulf Coast, Outer Banks, SoCal, Hawaii
Smoky Mountains, Colorado Rockies, Lake Tahoe
New England, Midwest lakes, Southwest desert
Currently available in all states except: North Dakota, South Dakota, Vermont, Nevada.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Tell us about the property and your strategy.
Get pre-qualified based on property income.
Choose between fixed-rate or interest-only structures.
Our average close time is measured in weeks, not months.
Whether you’re expanding your Airbnb portfolio or refinancing your existing STR assets, Brick City Capital delivers fast, flexible, and investor-focused lending built for the modern short-term rental market.
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Our HeadQuarters
50 Park Place, Suite 301 Newark, NJ 07102
Contact
sales@brkcty.com
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Disclaimers:
Our headquarters
50 Park Place, Suite 301
Newark, NJ 07102
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