A financing option for condo units with hotel-style operations, allowing short-term rental income and flexible terms outside conventional guidelines.
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Condotel financing is tailored for buyers purchasing condominium units that operate like hotels—offering short-term rentals, front-desk check-in, daily housekeeping, or resort-style amenities. These properties often fall outside the guidelines for conventional or FHA loans, making specialized financing essential for closing. Available for second-home or investment use, condotel loans often feature adjustable-rate or interest-only structures and can accommodate short-term rental income in the qualification process.
For lifestyle investors and part-time residents, condotel financing opens the door to owning an income-producing property in high-demand vacation destinations. This loan type makes it possible to combine personal enjoyment of the property with rental revenue potential—something traditional lenders often can’t support. By working with a lender experienced in condotel underwriting, buyers can secure faster approvals and terms suited to the unique nature of these hybrid hotel-condo properties.
Elliman Capital’s lending team understands the nuances of condotel financing and works closely with buyers, agents, and resort managers to streamline the process. Start with our quick online application, and we’ll tailor a financing solution that fits your lifestyle, income strategy, and property goals.
