Community Perks with The STR Report

🏠 Top-Tier Property Management – Lower fees, higher payouts, and premium service. Built for investors who want performance and peace of mind. Mention The STR Report by 6/30/25 & get your first month completely FREE.

🔎 Personal Airbnb Investment Finder – Connect with an expert to handpick profitable Airbnb properties that match your criteria. With 213+ successful deals, all cash-flowing, you’re in good hands. Take 15 seconds to fill out the form to see how all of these properties are experiencing at least a 15% Cash-on-Cash return.

🤑 STR Loans & More – Need funding for your next short-term rental? Expect expert guidance, personalized service, and the best possible rates.

June 16th, 2025

Good evening STR Report Community!

In today’s issue, you will find:

📱Today’s Article: 💰Think Outside the Bank: Alternative Ways to Fund Your Next STR

📈 Trending Market Highlight: Cleveland, Ohio and Madison, Wisconsin

🚜 Unique Airbnb of the Week

🏫 Subscriber Perks: Go Live Playbook, including: Beginner’s Guide E-Book, Guest Communication Messaging Templates, Airbnb Welcome Guide Template, STR Buy Box Template, & Tax Savings E-Book

✅ Community Perks: Top-Tier Property Management, Personal Airbnb Investment Finder, and STR Loans & More

📬 See our collection of newsletters here: Prior Newsletters

💰Think Outside the Bank: Alternative Ways to Fund Your Next STR

Mortgages Aren’t the Only Way In.

If you've been waiting for the “perfect” mortgage rate to buy your next short-term rental… you might be waiting a while. But here’s the good news: plenty of successful STR investors aren’t using traditional loans at all. Instead, they’re getting creative—leveraging alternative funding strategies that help them scale faster, compete smarter, and protect their cash flow. Want in? Let’s dive into the world of creative financing.

1. DSCR Loans (Debt Service Coverage Ratio Loans)

✅ Best for: Investors with strong STR income but limited W-2 income DSCR loans look at the property's income potential rather than your personal income. That means if the numbers make sense on paper, you're more likely to get approved—even if you’re self-employed or maxed out on traditional lending limits.

Pros: Faster approvals, STR income is front and center

Cons: Higher interest rates, stricter property cash flow requirements

2. Seller Financing

✅ Best for: Deals with motivated sellers With seller financing, the owner acts as the lender. You agree to terms (interest rate, down payment, duration), and skip the bank altogether. Great for properties that may not qualify for a traditional mortgage or when you want to negotiate flexible terms.

Pros: No bank underwriting, more flexible negotiations

Cons: Limited availability, may require larger down payments

3. Co-Investment Partnerships

✅ Best for: Investors with time and expertise—but less capital Team up with someone who has the funds but doesn’t want the day-to-day involvement. You handle the operations; they bring the money. Split profits based on your agreement. This structure is ideal if you're ready to hustle but need help on the capital side.

Pros: No personal loan required, shared risk

Cons: Shared profits, needs clear partnership terms to avoid conflict

4. HELOCs or Cash-Out Refis

✅ Best for: Homeowners sitting on equity A Home Equity Line of Credit (HELOC) or cash-out refi on an existing property can free up funds for your next down payment. Just be sure the rental income from your STR will offset the added debt load.

Pros: Access capital without selling assets

Cons: Risk of overleveraging, potential impact on primary home

5. Private Money & Real Estate Syndications

✅ Best for: Networked investors or those seeking passive income Private lenders or real estate syndication groups can offer capital for your deals in exchange for interest or equity. This is a more advanced route but can offer big leverage if you’ve got the right network.

Pros: Flexible deal structures, less red tape

Cons: Usually comes with higher interest or equity stakes

Final Thoughts: Flexibility Is the New Financing Power

Getting into your next STR doesn’t have to mean playing by the bank’s rules. With a little creativity (and the right partners), there are more funding paths than ever before. Think you’re ready? Connect with an expert team and get started.

Cleveland, Ohio 🏀

Downloadable Cleveland, Ohio Short-Term Rental Market Report

• Average Daily Rate (ADR): $186.15 per night

• Occupancy Rate: 53.96%

• Annual Revenue Potential: Around $36,660.37 per year

Read our full Cleveland, Ohio Short-Term Rental Market Report attached above.

Madison, Wisconsin ✨

Downloadable Madison, Wisconsin Short-Term Rental Market Report

• Average Daily Rate (ADR): $288.83 per night

• Occupancy Rate: 58.89%

• Annual Revenue Potential: Around $62,072.80 per year

Read our full Madison, Wisconsin Short-Term Rental Market Report attached above.

📬 See our collection of 50+ market reports here: Prior Trending Market Reports

Bored of staying at regular Airbnbs?🚜

Book your next stay at a barn on Lake Superior.

Tucked away on 320 acres of private forest and pristine shoreline, the Lake Superior Barn is a one-of-a-kind wilderness retreat offering rustic charm, expansive space, and complete seclusion. This 6-bedroom, 4-bathroom lodge-style home comfortably sleeps 20 guests and is crafted from reclaimed materials sourced from historic Minnesota barns—creating a warm, storied atmosphere. Guests can stroll along the sandy beach, swim in the crystal-clear shallows of Lake Superior, or cozy up by a driftwood bonfire under a canopy of stars. Inside, enjoy a gourmet kitchen with a stocked pantry, a cozy loft with books and bean bags, and a game room with heated floors and classic entertainment. Surrounded entirely by the Brule River State Forest and with no other homes for miles, the Lake Superior Barn is an unforgettable escape into nature—where the only company is the sound of waves, rustling leaves, and the distant twinkle of city lights across the lake.

Subscriber Perks:

📖🏡💰 Go Live Playbook

The "Go Live Playbook" is your all-in-one guide featuring a beginner’s guide e-book, messaging templates, Airbnb welcome book, STR buy box template, and tax savings tips to kickstart your short-term rental success.

Community Perks with The STR Report

🏠 Top-Tier Property Management – Lower fees, higher payouts, and premium service. Built for investors who want performance and peace of mind. Mention The STR Report by 6/30/25 & get your first month completely FREE.

🔎 Personal Airbnb Investment Finder – Connect with an expert to handpick profitable Airbnb properties that match your criteria. With 213+ successful deals, all cash-flowing, you’re in good hands. Take 15 seconds to fill out the form to see how all of these properties are experiencing at least a 15% Cash-on-Cash return.

🤑 STR Loans & More – Need funding for your next short-term rental? Expect expert guidance, personalized service, and the best possible rates.

Partner with Us!

If you have a project you’d like us to promote, or a product or service you’d like to share, please reach out to us at [email protected].

We appreciate you being a part of our STR community and for sharing our group with your business partners and associates. Thank you!