THRIVE With Hard Money Lending and Scale Your Airbnb Empire (Here's How!) - with David Little

Can hard money lending and short-term rentals be the ultimate power duo?

In this episode of The Smart Stay Show, We sit down with David Little, co-founder of Crown Capital Resources, to explore how savvy investors are using short-term rentals as a game-changing exit strategy.

We dig into DSCR loans, the Burr method for vacation rentals, and how tools like AirDNA are influencing lending decisions. David shares insider tips on leveraging your property’s equity and why guest experience is more critical than ever in competitive markets like Austin.

Plus, we discuss the opportunities—and challenges—of hard money lending for short-term rental hosts. Whether you're looking to refinance, scale, or simply understand the numbers, this episode is packed with actionable advice.

Things we discussed in this episode:

• The intersection of hard money lending and short-term rentals
• How clients are using short-term rentals as an exit strategy for flips or refinancing
• The emergence of secondary lenders willing to consider AirDNA data for underwriting
• The application of the Burr method to vacation properties
• Understanding debt service coverage ratio (DSCR) loans and how they differ from traditional financing
• The role of AirDNA data in the underwriting process and its limitations
• The niche lending product offered by Crown Capital Resources, allowing investors to tap into equity quickly
• The importance of differentiation and guest experience in competitive short-term rental markets
• David Little's investment in the short-term rental management company Cribs and the insights he's gained
• Strategies for optimizing rental income, such as marketing tactics and understanding operating expenses

Get in touch with David:

• Email - david@crowncapitalresources.com
• Website - https://crowncapitalresources.com/

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• 0:00:00 Hard Money Lending and the Burr Method for Short-Term Rentals
• 0:00:32 Financing Short-Term Rentals with Rigid Rules
• 0:02:31 Introducing David Little of Crown Capital Resources
• 0:03:55 How David Found His Way into Short-Term Rental Financing
• 0:04:53 Applying the Burr Method to Vacation Properties
• 0:07:15 Understanding Debt Service Coverage Ratio (DSCR) Loans
• 0:11:19 The Role of AirDNA Data in Underwriting
• 0:15:30 Financing a Property with No Rental History
• 0:19:18 Real-Life Example of Tapping into Equity
• 0:27:33 Optimizing Rental Income Through Marketing and Guest Experience
• 0:34:15 Reaching Out to David Little and Rory Gill