Cary, NC · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Cary
Get the DSCR math you actually have — based on real short-term rental revenue.
Why Cary investors choose 818
Cary is the Triangle's premium rental submarket — top-rated schools and the RTP tech corridor keep SFR and townhome vacancy near zero, but entry prices compress cap rates. Deals here are appreciation-plus-cash-flow plays that need a lender comfortable underwriting tighter DSCRs against demonstrably strong rent depth in Preston, Lochmere, and West Cary.
Our edge here: We structure Cary's lower-yield, high-quality rentals with reserve-backed DSCR flexibility — the profile national credit boxes squeeze out.
Short-Term Rental (STR) Loans: Cary 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 — Cary STR loans
Does 818 Capital offer STR loans in Cary?
Yes. 818 Capital Partners is a direct private lender originating Short-Term Rental (STR) Loans for investor properties throughout Cary and the greater Wake County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Cary?
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 Cary neighborhoods do you lend in?
We actively finance STR loans across Downtown Cary, Preston, Lochmere, West Cary, Morrisville edge, and other submarkets of Wake County.
How fast can 818 Capital close a STR loan in Cary?
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 Cary
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 Cary deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.