Seattle, WA · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Seattle
Get the DSCR math you actually have — based on real short-term rental revenue.
Why Seattle investors choose 818
Seattle is a higher-ticket, appreciation-forward market where value-add multifamily and townhome plays dominate. Tech employment keeps rents climbing, but the city's regulatory environment demands underwriting that reads local rules correctly — and the Peninsula's STR pods run an entirely different playbook from the metro core.
Our edge here: We price the Seattle metro and the Olympic Peninsula at different tempos and underwrite them separately — one credit box does not fit both.
Short-Term Rental (STR) Loans: Seattle 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 — Seattle STR loans
Does 818 Capital offer STR loans in Seattle?
Yes. 818 Capital Partners is a direct private lender originating Short-Term Rental (STR) Loans for investor properties throughout Seattle and the greater King County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Seattle?
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 Seattle neighborhoods do you lend in?
We actively finance STR loans across Ballard, Beacon Hill, Columbia City, Lake City, West Seattle, and other submarkets of King County.
How fast can 818 Capital close a STR loan in Seattle?
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 Seattle
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 Seattle deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.