Durham, NC · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Durham
Get the DSCR math you actually have — based on real short-term rental revenue.
Why Durham investors choose 818
Durham pairs Research Triangle employment with university-anchored rental demand from Duke and NCCU. East Durham and Old East Durham are active value-add corridors, downtown-adjacent infill keeps builders busy, and Southpoint draws the newer SFR rental cohort. Yields still pencil ahead of Raleigh, and NC's landlord-friendly framework keeps DSCRs resilient.
Our edge here: Infill construction with phase-draws against the GC contract, plus a DSCR exit pre-modeled at closing — built for Durham's value-add-to-rental pipeline.
Short-Term Rental (STR) Loans: Durham 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 — Durham STR loans
Does 818 Capital offer STR loans in Durham?
Yes. 818 Capital Partners is a direct private lender originating Short-Term Rental (STR) Loans for investor properties throughout Durham and the greater Durham County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Durham?
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 Durham neighborhoods do you lend in?
We actively finance STR loans across East Durham, Old West Durham, Downtown Durham, Southpoint, Braggtown, and other submarkets of Durham County.
How fast can 818 Capital close a STR loan in Durham?
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 Durham
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 Durham deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.