Get Pre-ApprovedCall (888) 865-8230
Home › Airbnb & Short-Term Rental Loans › New York

Airbnb & Short-Term Rental Loans in New York

What New York investors should know, with county data and city pages.

Short-term rental financing in New York depends heavily on local rules. Cities, counties and associations set their own registration, permit and stay requirements, and lenders often want proof that a property can legally host guests before counting nightly income. Seasonal demand, insurance costs and association restrictions also differ from one market to another across New York, so gather local details for each property before you ask a lender to review the deal.

Questions about airbnb & Short-Term rental loans in New York?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

Call (888) 865-8230Apply Online Now

New York short-term rental tax registration: Sales tax on short-term rental unit occupancy. Operators of short-term rental units in New York must register as sales tax vendors and collect state and local sales tax and the unit fee, unless every rental is handled by a registered booking service that collects for them. Lenders may ask for proof of registration with booking statements.

Where the numbers point in New York

Counties with the most homes held for seasonal or occasional use:

CountyHomes held for seasonal or occasional use
New York County48,631
Suffolk County44,136
Sullivan County14,332
Kings County10,921
Queens County10,329
Jefferson County9,026
Warren County7,765
Chautauqua County6,800
St. Lawrence County6,242
Ulster County6,233
Start hereApply Online Now

Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.

  • Takes a few minutes
  • Reviewed by a licensed loan officer
  • No obligation to proceed

Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Airbnb & Short-Term Rental Loans by city in New York

Common questions

How do lenders handle seasonal income?

Lenders want a figure that reflects the whole cycle, not just the peak. With an operating history, they often average income over a meaningful period so busy and slow stretches balance out. Without history, a market report may estimate income across seasons. Expect the lender to be cautious, and plan your own budget around the slow season, not the busiest weekends.

What if my area restricts short-term rentals?

If local law or the association prohibits nightly rentals, a lender will generally not count guest income, and the property may need to qualify on long-term rent instead. If rules limit the number of nights, the lender may adjust the income. Confirm the rules with the local government and association before you buy, since they can change the loan and the deal.

Is a short-term rental DSCR loan business-purpose?

Usually, yes. Lenders generally classify it as a business-purpose loan, and many of these loans are made to an LLC, which means the disclosures and protections differ from those on a home you live in. Rules still apply. Ask your loan officer which ones, and talk to a tax professional or attorney about lodging taxes and entity questions.

Other investor loans in New York

DSCR loansDSCR requirementsDSCR down paymentHard money lendersHard money for a primary homeFix and flip loansInvestor bridge loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loansPrivate money lenders

Related guides

Airbnb & Short-Term Rental Loans overview · New York investor loan overview

  • Census ACS 2020-2024, table B25004
Call (888) 865-8230Licensed loan officerApply OnlineTakes a few minutes