Funding your short-term rental or vacation home isn’t just about having cash in the bank—it’s about knowing where your money can come from. In this episode, I’ll break down the acceptable sources of funds for financing your STR, including savings, gifts, equity from other properties, and even creative strategies that many investors overlook. Understanding these options can make all the difference in getting your deal approved and maximizing your investment potential. If you’re serious about buying your next STR the right way, this episode is a must-listen!

www.strhomefinancing.com

Looking Back to Move Forward – STR Home Financing Strategies

In this episode, we’re taking a step back to leap forward. I’ll be diving into why reviewing your past moves in short-term rental ownership is the key to unlocking bigger wins in the future. We’ll talk about how adopting an Elon Musk mindset—committing to solving your biggest problem—can transform your investment strategy. Plus, I’ll break down a practical game plan to capitalize on your biggest opportunities, one step at a time, at a pace of one per week. Whether you’re scaling your STR portfolio or just getting started, this episode is packed with insights to help you build momentum and maximize success. Tune in and let’s get to work!

www.strhomefinancing.com

In this episode of STR Home Financing with Jeff Chisum, we dive into two powerful strategies that can help you maximize cash flow and minimize out-of-pocket expenses when purchasing a short-term rental: seller concessions and cosmetic appearance allowances.

Jeff breaks down how negotiating seller concessions can significantly reduce your out of pocket for closing costs, allowing you to allocate more capital toward renovations, furnishings, or reserves. He also explores how cosmetic appearance allowances—a lesser-known yet highly effective tactic—can be leveraged to offset necessary property upgrades while keeping more money in your pocket.

If you're an investor looking to optimize your financial strategy in today’s market, this episode is packed with actionable insights that can give you an edge. Tune in and learn how to structure deals that preserve liquidity and boost your return on investment!

www.strhomefinancing.com

🚀 BIG TAX NEWS for STR Investors! 🚀

In Episode 62 of STR Home Financing, we’re diving into the history of the short-term rental (STR) loophole and its powerful impact on bonus depreciation. We’ll break down:

✅ How the 2017 Tax Cuts and Jobs Act created this game-changing tax advantage

✅ Why the bonus depreciation benefit has been phasing out since 2023

✅ The exciting possibility that the Trump administration could bring it back!

If you own or are thinking about investing in STRs, this episode is a must-listen to stay ahead of the latest tax strategies that could impact your business. 🎙️

🎧 Tune in now and learn how to maximize your real estate tax benefits!

#STRHomeFinancing #RealEstateInvesting #TaxStrategy #BonusDepreciation #ShortTermRentals

www.strhomefinancing.com

In this episode of the STR Home Financing Podcast, host Jeff Chisum kicks off the new year with a timely discussion on mindset, goal-setting, and taking actionable steps toward your dreams. Jeff reflects on "National Quitters Day," observed on January 10th, when many people abandon their New Year’s resolutions. Instead of resolutions, Jeff and his wife focus on setting meaningful, sustainable goals that drive progress throughout the year.

For those aiming to purchase a vacation home in 2025, this episode emphasizes the importance of preparation and taking the first step: getting pre-approved for financing. Jeff explains how setting clear financial goals and starting the pre-approval process can help you move confidently toward owning your dream property.

Whether you're setting personal goals or looking to invest in a vacation home, this episode offers the motivation and insights to help you make 2025 your most successful year yet. Don’t miss it!

https://www.strhomefinancing.com/

In this groundbreaking episode of STR Home Financing, we dive into what could be the most significant development for investors and second-home buyers in recent history: the removal of the PSPAs (Preferred Stock Purchase Agreements) that capped Fannie Mae and Freddie Mac's ability to purchase investment property and second-home loans.

This change opens new doors for financing opportunities, offering more flexibility, improved terms, and greater accessibility for buyers looking to build their real estate portfolios.

Join me as I break down what this means for you as an investor, how it could impact your financing options, and why this game-changing shift could redefine the landscape for second-home and short-term rental financing.

If you're in the market or just curious about how these updates could shape your next move, this is one episode you won’t want to miss!

Tune in now to stay ahead of the curve!

https://www.strhomefinancing.com/

In this episode of STR Home Financing, host Jeff Chisum sits down with Dr. Rachel Gainsbrugh, founder of Short Term Gems, to explore her journey in the short-term rental (STR) industry. Dr. Rachel shares insights into her involvement in the STR community, her recent television appearance, and how Short Term Gems assists property owners in streamlining rental management through effective systems. She also delves into tax strategies and offers advice on overcoming the fear of investing in real estate. Connect with Dr. Rachel Gainsbrugh:

Tune in to gain expert insights from Dr. Rachel Gainsbrugh on effectively managing short-term rentals, leveraging tax strategies, and confidently stepping into real estate investment.

https://www.strhomefinancing.com/

Welcome to Episode 58 of the podcast! Today, we’re diving into some exciting updates for investors, especially those using Debt Service Coverage Ratio (DSCR) loans. The reigns on DSCR loans have been loosened, and there are some key changes you’ll want to know about. We’re talking about reduced cash-out seasoning from 12 to 6 months, increased interested party contributions, and new guidelines for gift funds. We’ll also cover how minimum credit score requirements have shifted, changes to maximum loan-to-value (LTV) ratios, and increased cash-out limits. If you're an investor or thinking about expanding your portfolio, this episode will give you the insights you need to take advantage of these new opportunities!

https://www.strhomefinancing.com/

I’m excited to be joined by a special guest, Gil Chan, the CEO and Owner of CraftedStays. In this episode, we’ll dive into how CraftedStays is providing simple, effective solutions for property owners looking to build direct booking websites. We’ll also talk about maximizing conversion rates and, most importantly, how to become less reliant on OTAs like Airbnb and Vrbo. If you’re a short-term rental host or looking to optimize your business, this is an episode you don’t want to miss!

https://www.strhomefinancing.com/

In today’s episode, we break down the recent Fed fund rate cut – the first since 2020! With the Federal Reserve lowering rates by 50 basis points, we explore what this means for the housing market, mortgage rates, and home equity lines of credit (HELOCs). We’ll discuss how this move could impact borrowing costs, the potential for mortgage rates to drop further, and why now might be the time to act before the market heats up. Whether you’re a homebuyer, investor, or looking to refinance, this episode will help you understand the road ahead. Tune in to get all the details!

https://www.strhomefinancing.com/