Short-Term Rental
Mortgage Solutions
Most banks won't touch Airbnb or VRBO properties. Michael North works with specialized lenders who understand short-term rental income and can help you finance your vacation rental investment.
Why Choose Michael North
Get Your STR Mortgage Pre-Approval
Lenders who actually understand Airbnb income
Why Choose Michael North
Why Choose Michael North for Your Short-Term Rental Mortgage
As a licensed Ontario mortgage agent, Michael North provides personalized service and access to the best rates from over 50 lenders.
Use Airbnb/VRBO Income to Qualify
Unlike most banks, our lenders consider your short-term rental income when calculating affordability. Your booking history matters.
Higher Rental Income Recognition
Short-term rentals often generate 2-3x more income than traditional long-term rentals. We have lenders who recognize this earning potential.
Specialized STR Lenders
Access to niche lenders who understand the short-term rental market and don't penalize you for operating an Airbnb or VRBO.
Flexible Documentation
Use Airbnb payouts, VRBO statements, and booking platform data as proof of income. No traditional T4s required for rental income.
Competitive Rates Available
While some lenders charge premiums for STR properties, Michael has access to lenders offering competitive rates for qualified investors.
Fast Approvals for Investors
In the competitive vacation rental market, speed matters. Get pre-approved quickly to secure your investment property.
Banks Won't Finance Your Airbnb. I Will.
Most traditional banks and major financial institutions are hesitant — or outright refuse — to finance properties used for short-term rentals such as Airbnb or VRBO. They often view this type of income as unreliable or too risky, which makes it very difficult for investors to secure mortgage approval through conventional channels.
That's where I come in. As a mortgage specialist, I work closely with a network of specialized lenders who truly understand the short-term rental market. These lenders are experienced with Airbnb and VRBO properties and know how to properly underwrite short-term rental income. They recognize the strong cash flow potential these investments can generate and are comfortable using that income to qualify you for financing.
Whether you're looking to purchase a new vacation rental property, refinance an existing one, or even do a cash-out refinance to pull equity for your next investment, I can help you access competitive rates and terms that most banks simply won't offer.
Ready to Make Your Vacation Rental Goals a Reality?
If you're an investor in the short-term rental space — or thinking about getting into it — let's connect. I'd be happy to review your situation, run some numbers, and show you what options are available through my specialized lending partners.
Feel free to reach out anytime. I'm here to make your vacation rental investment goals a reality.
What I Can Help You With
- Purchase financing — Buy your first or next Airbnb/VRBO property with lenders who accept STR income
- Refinancing — Lower your rate or restructure your existing vacation rental mortgage
- Cash-out refinance — Pull equity from your current property to fund your next investment
- Portfolio expansion — Scale your short-term rental business with the right financing strategy
Contact me today for a free, no-obligation consultation. Let's discuss your short-term rental investment goals and find the right mortgage solution for you.
How to Get Your Short-Term Rental Mortgage with Michael North
Working with a mortgage agent makes the process simple. Here's how it works:
STR Portfolio Review
Michael reviews your current short-term rental income, booking history, and investment goals. We analyze your Airbnb/VRBO performance data.
Lender Matching
Based on your income profile, we match you with lenders who specialize in short-term rental properties and recognize STR income.
Documentation & Approval
Gather platform payout statements, booking data, and property financials. We submit to STR-friendly lenders for approval.
Close & Start Hosting
Complete your purchase and start generating income. Michael coordinates everything so you can focus on your hosting business.
50+ Lenders.
One Application.
Michael North has direct access to Canada's top banks, credit unions, trust companies, and alternative lenders. Your single application reaches them all.
CMLS Financial
Short-term rental income qualification
Equitable Bank
Alternative income verification for Airbnb hosts
Home Trust
Flexible rental property programs
First National
Investment property with STR income
MCAP
Rental offset programs for vacation rentals
B2B Bank
Self-employed and rental income specialists
Bridgewater Bank
Non-traditional income qualification
Haventree Bank
Alternative lending for unique properties
Community Trust
Cottage and vacation property mortgages
IC Savings
Investment property financing
Wealth One Bank
Newcomer and investor programs
Marathon Mortgage
Private lending for STR properties
Plus 40+ additional lenders including Desjardins, Manulife, Industrial Alliance, and more
Frequently Asked Questions About Short-Term Rental Mortgage
Short-Term Rental Mortgage Services Across Ontario
Michael North provides short-term rental mortgage services to clients throughout Ontario, including these major cities and surrounding areas:
Ready to Get Started?
Contact Michael North today for a free, no-obligation consultation. Get expert guidance and access to the best short-term rental mortgage rates in Ontario.
Michael North, Mortgage Agent Level 1 (License #M23007520) | Owl Mortgage (Brokerage #13364, Powered by Centum Financial) | Regulated by FSRA