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Short-Term Rental Loan Comparisons for Valley Investors

TL;DR: Choosing between financing options for a Phoenix, Scottsdale or Tempe short-term rental comes down to the property's condition, how the income will be documented and how long you plan to hold. These comparisons lay out the trade-offs qualitatively, with simple DSCR math, so you can pick a path before you send a scenario.

Each comparison is written for one situation: a whole-home short-term rental in the core of the Valley, held as a business-purpose investment. None of them quote pricing; terms come from wholesale lenders and change.

Have a Phoenix or Scottsdale STR in mind?

Send the address, city and how you plan to rent it. We will tell you which wholesale programs read the income in a way that fits, and what the city and HOA paperwork needs to look like.

Start an STR scenario