Vacation Rental Loans

Our vacation rental loan program is designed for scalability, allowing investors to finance an unlimited number of properties as their portfolio grows. We offer both purchase and refinance options with loan-to-value (LTV) ratios up to 80%. Many investors use cash-out refinances to purchase additional vacation rentals or make improvements to existing ones, creating opportunities for continuous growth and reinvestment.

When financing a vacation rental property, it’s important to conduct thorough market research and understand the full scope of ownership costs. Start by exploring different markets and narrowing down to the cities or neighborhoods with the highest rental demand and profit potential. Evaluate property values, occupancy rates, and average nightly rates to estimate cash flow, return on investment, and overall profitability. Consider the property’s location carefully—proximity to attractions, beaches, dining, and transportation options can significantly influence rental income. Lastly, factor in ongoing operating expenses such as mortgage payments, insurance, utilities, maintenance, pest control, and property management costs to ensure a healthy return.

At Bright Path Lending, we make vacation rental financing simple, flexible, and strategic—helping you expand your portfolio, maximize returns, and build long-term wealth through income-generating vacation properties.