Cape Coral, FL · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Cape Coral
Get the DSCR math you actually have — based on real short-term rental revenue.
Why Cape Coral investors choose 818
Cape Coral is 120 square miles of pre-platted lots and canal-front SFR — the largest infill construction canvas in Florida, layered with STR and seasonal-rental demand across the Yacht Club and SW Cape. The underwriting reality post-2022 is insurance: wind and flood premiums decide whether a deal cash-flows, so DSCR math here has to start from a real quote, not a placeholder.
Our edge here: We underwrite Cape Coral with real insurance quotes in the DSCR and AirDNA-backed STR revenue — and our construction product fits the infill-lot build math.
Short-Term Rental (STR) Loans: Cape Coral terms
Term
30-year fixed, 10-year I/O, 5/1 ARM
Leverage
Up to 75% LTV purchase
Credit minimum
680
Close time
25–35 days
Qualification
STR DSCR ≥ 1.0 on AirDNA or verified operating history
Ideal for
STR investors tired of lenders using LTR rent comps that kill the deal, Airbnb hosts buying their 2nd–10th property, investors in regulated STR markets (Nashville, Austin, Orlando) who need a lender that understands the rule set.
Common questions — Cape Coral STR loans
Does 818 Capital offer STR loans in Cape Coral?
Yes. 818 Capital Partners is a direct private lender originating Short-Term Rental (STR) Loans for investor properties throughout Cape Coral and the greater Lee County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Cape Coral?
30-year fixed, 10-year I/O, 5/1 ARM. Up to 75% LTV purchase. Minimum credit score 680. Typical close time: 25–35 days. Qualification: STR DSCR ≥ 1.0 on AirDNA or verified operating history.
What Cape Coral neighborhoods do you lend in?
We actively finance STR loans across SW Cape / Pelican, Yacht Club, SE Cape Coral, NW Cape Coral, and other submarkets of Lee County.
How fast can 818 Capital close a STR loan in Cape Coral?
Our typical close time for a Short-Term Rental (STR) Loans is 25–35 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Cape Coral
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Short-Term Rental (STR) Loans in other markets
Ready to close your Cape Coral deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.