Long Island, NY · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Long Island
Get the DSCR math you actually have — based on real short-term rental revenue.
Why Long Island investors choose 818
Long Island investor demand is concentrated in North Shore SFR flips, Nassau County 2–4 unit rentals, and growing STR pockets on the South Shore and East End. LI is where we have the deepest referral network — contractors, realtors, and attorneys who bring us 818 clients weekly.
Our edge here: We're based on Long Island. Our inspectors, attorneys, and title teams are local. Close in 21 days on Nassau/Suffolk deals is our norm, not our ceiling.
Short-Term Rental (STR) Loans: Long Island 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 — Long Island STR loans
Does 818 Capital offer STR loans in Long Island?
Yes. 818 Capital Partners arranges Short-Term Rental (STR) Loans for investor properties throughout Long Island and the greater Nassau & Suffolk Counties market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Long Island?
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 Long Island neighborhoods do you lend in?
We actively finance STR loans across Glen Cove, Hempstead, Huntington, Babylon, Riverhead, Montauk, and other submarkets of Nassau & Suffolk Counties.
How fast can 818 Capital close a STR loan in Long Island?
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 Long Island
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.
Multifamily Bridge & Permanent
5+ unit properties. 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 Long Island deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.