Airbnb Furniture Financing

Airbnb furniture financing is an unsecured term loan for the beds, sofas, tables, linens, and staging that turn a vacant DSCR purchase into a bookable short-term rental. Jaken Finance Group originates the DSCR loan on the STR — 5.75%–10.5%, up to 85% LTV purchase in select markets for qualified borrowers. The furniture package is a different problem. Mixed FF&E usually will not take a UCC equipment loan at 6%–14%. When the package is $50,000–$500,000, the unsecured product can fund it in 3–10 business days. Terms are 3, 5, or 7 years. Pricing is quoted per file in an approximate 6%–18% band by Preferred Funding Group.

The educational test is not “can I make it look like the listing photos.” It is do the nights still cover the mortgage and the furniture note after vacancy, platform fees, and cleaning. If a slow season wipes the leftover, do not finance the sectional.

Pre-qualify for Airbnb furniture financing →

Parent product: unsecured term loans. Property DSCR for STRs: DSCR loans for short-term rentals. Why mixed invoices skip UCC: unsecured vs equipment financing. Down payment on the real estate itself: DSCR down payment funding.

Why hosts finance FF&E instead of waiting on cash

A closed DSCR loan funds the house. It does not buy the king beds. Four reasons this page exists:

• The listing cannot go live empty. Every week of vacancy after close is mortgage with no ADR.
• Cash went into the down payment. The equity check already used the checking account. See DSCR down payment funding if that gap is the real problem.
• The designer’s invoice is mixed. Furniture, freight, lamps, art, and install labor on one PDF. A UCC equipment desk wants a serial number on a walk-in cooler, not a West Elm order.
• You are furnishing more than one door. Three STRs at $55,000 each is $165,000 — inside the box, and large enough that cash-on-hand would stall the second and third listings.

A $12,000 one-bedroom package is below the $50,000 program minimum. Pay cash, put it on an operating line, or bundle units. Do not inflate a furniture order to hit the floor.

Furniture note vs equipment loan vs the DSCR mortgage

Layer	Collateral	Typical use	Rate context
DSCR / STR mortgage	The property	Purchase or refi of the rental	5.75%–10.5%
Equipment loan	UCC on a serial-numbered asset	HVAC, commercial kitchen, laundry machines with a dealer invoice	6%–14%
Unsecured furniture note	None	Mixed FF&E, staging, mattresses, décor, install	Approx. 6%–18%, quoted per file

If the item is a commercial washer pair with a vendor quote, start on equipment financing. If the item is a houseful of furniture, stay here. Do not mash 6%–14% and 6%–18% into one cell.

CFPB Ability-to-Repay describes owner-occupied mortgage credit. An STR you do not live in is business-purpose property debt. The furniture note is also business-purpose. Furnishing a house you will occupy is the wrong file.

Local STR rules still apply. Read short-term rental laws for investors before you buy the sofas for a city that caps nights or bans new permits.

Model nights vs both payments

Default load: $65,000 furniture package (the note sizes to the package, inside $50,000–$500,000), $7,200 gross monthly STR revenue, 25% vacancy / owner blocks, 22% platform + cleaning + supplies, a $380,000 DSCR loan at 7.9%, and $620 tax/insurance/HOA. The furniture note defaults to a 3-year term at an illustrative 12.5% because FF&E wears out faster than a 30-year mortgage. If cash after both stacks is negative, either cut the package, extend to 5 years, or do not furnish on credit.

Property DSCR without furniture: DSCR calculator. STR program narrative: DSCR loans for Airbnb / VRBO. Tool-only unsecured payment: unsecured term loan calculator.

Worked example: Asheville cabin that still covers the note

Gross STR revenue $7,200 a month in peak-shoulder blend. After 25% vacancy and 22% ops, net operating income on the nights is about $4,212. DSCR P&I on $380,000 at 7.9% / 30 years plus $620 TIA is the property stack. A $65,000 furniture note at 12.5% over 3 years is about $2,170 a month.

• If leftover after both is still positive in the shoulder months, not just October leaf season, the stack can make sense.
• Three years is intentional. Couches do not last as long as shingles. A 7-year note on furniture often means you still owe on items you already replaced.
• Do not use peak July as “gross monthly.” Use a trailing twelve-month average or a conservative AirDNA occupancy the DSCR desk would actually haircut.

Worked example: Scottsdale condo that should pay cash or skip

Gross $4,100 a month. Vacancy 35% because of HOA minimums and summer heat. Ops 25%. Net nights are thin. The DSCR loan already consumes most of what is left. A $58,000 furniture package at 12.5% / 3 years is about $1,940 a month on top.

Do not finance the furniture. Either buy a smaller package in cash, list as a mid-term furnished rental with the tenant’s own extras, or skip the STR strategy. Staging Instagram is not a reason to run a negative operating account.

HOA furniture and lock-off rules matter as much as ADR. A condo that forbids lockboxes or caps nights will not grow into the payment.

What belongs on the furniture invoice

Usually this product	Usually equipment (6%–14%)	Pay cash / operating account
Beds, sofas, tables, lighting, art	Commercial laundry with serial numbers	Linens, consumables, restock
Outdoor sets, hot-tub furniture, décor	HVAC replacement with a dealer invoice	Cleaning supplies
Freight + interior-design labor mixed on one invoice	Kitchen hood / grease system	Platform fees

A $55,000 Design Within Reach order plus $8,000 of install is a furniture file. A $22,000 stackable washer/dryer pair from a commercial dealer is an equipment file. Split them.

Airbnb furniture vs other unsecured uses

Need	Start here
FF&E / staging for a listing	This page
Equity check to buy the STR	DSCR down payment funding
Mixed-use or 5+ unit building equity	Commercial property down payment funding
Serial-numbered machine	Unsecured vs equipment
Restaurant FF&E and buildout	Unsecured loans for restaurants

Restaurant kitchen packages and Airbnb living rooms are both “furniture” in casual speech. They are different underwriting stories. Keep restaurant files on the restaurant page.

What the application asks

Expect two years of personal tax returns, a FICO 8 report, identity, entity documents, and a use-of-funds statement that says short-term rental FF&E or business furniture. Attach the designer or vendor estimate if you have it. There is no published FICO floor. The DSCR property file still needs underwritable STR income — trailing nights, AirDNA, or market rent with an STR haircut, depending on the program.

Risks that show up after the photoshoot

• Seasonality. A 3-year note does not pause in August. Model the worst two months, not the best.
• Regulation. Permit caps, HOA bans, and night limits can zero the revenue without zeroing the furniture payment. Check STR laws first.
• Replacement cycle. Cheap furniture that fails in 18 months plus a 5-year note is how hosts pay twice.
• Owner-occupancy. If you live in the house, this is the wrong DSCR and the wrong unsecured disclosure.

How to apply

1. Run the calculator on conservative occupancy until cash after both stacks is still positive.
2. Submit the STR DSCR scenario or pick a loan type for the property with Jaken Finance Group.
3. Submit the unsecured financing form for the furniture package.
4. If any line item is a serial-numbered commercial machine, split it onto equipment financing.

Pre-qualify for Airbnb furniture financing · STR DSCR loans · (833) 264-7776

Sources

• CFPB — Ability-to-Repay and Qualified Mortgage standards
• SBA — loan programs (contrast only — SBA is not STR furniture)

Furniture-note pricing is quoted per file by Preferred Funding Group inside the published illustration band. Nightly-income math is only as honest as the occupancy you enter. Jaken Finance Group originates the STR DSCR loan, not the FF&E installment.