Concord, CA · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Concord
Get the DSCR math you actually have — based on real short-term rental revenue.
Why Concord investors choose 818
Concord is the East Bay's value play — BART-connected workforce housing where 2–4 unit and small-multifamily yields still pencil while core Oakland and Walnut Creek price out. The renter base commutes into the inner Bay; the investor base buys cash flow the coastal submarkets stopped producing years ago.
Our edge here: Bridge-to-DSCR on East Bay value-add is our most-used structure here — acquire fast, stabilize, and refinance into the 30-year without a second close.
Short-Term Rental (STR) Loans: Concord 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 — Concord STR loans
Does 818 Capital offer STR loans in Concord?
Yes. 818 Capital Partners is a direct private lender originating Short-Term Rental (STR) Loans for investor properties throughout Concord and the greater Contra Costa County, East Bay market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Concord?
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 Concord neighborhoods do you lend in?
We actively finance STR loans across Downtown Concord, Monument Corridor, Clayton Valley, West Concord, and other submarkets of Contra Costa County, East Bay.
How fast can 818 Capital close a STR loan in Concord?
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 Concord
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 Concord deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.