08/01/2026
TinyBnB
🏡 LENDERS & INSURANCE AGENTS – Looking for Tiny Home Construction Loan, Refinance & Airbnb Insurance Partners!
I’m looking to connect with lenders and insurance agents who have experience financing and insuring tiny home construction projects that will operate as Airbnb/short-term rentals.
Specifically, I’m looking for:
✅ Construction lenders to finance the land purchase and cabin construction.
✅ Long-term mortgage lenders that can refinance the completed project into a traditional 30-year mortgage once construction is complete and the property is ready for operation.
Project Overview
I’m building a business around affordable, high-quality tiny cabins in high-demand vacation markets.
Initial Target States:
📍 Colorado
📍 Tennessee
📍 Texas
📍 Alabama
📍 Florida
📍 Oklahoma
Loan Amount Needed:
💰 $51,000–$95,000 per cabin
Cabin Specifications
• 400 sq. ft. or less
• Slab foundation (no basement)
• Kitchen & bathroom
• One bedroom or loft
• Electric utilities with solar power
• Designed specifically for short-term rentals
Estimated Build Cost
• Land: $2,500–$20,000
• Prefab cabin shell: $7,500–$10,000
• Interior finish & furnishings: $27,500
• Plumbing: $7,500–$15,000
• Permits, inspections & administration: $1,000
• Site preparation (clearing, excavation, concrete pad & driveway): $5,000–$20,000
Estimated Total Project Cost: $51,000–$93,500
Projected Financials (Per Cabin)
💵 Average Monthly Revenue: ~$3,750
📉 Estimated Monthly Expenses: $1,600–$2,100
Estimated monthly expenses include:
• 30-year mortgage payment (approximately 7% interest)
• Utilities
• Cleaning expenses (approximately 5–10 cleanings per month)
• Restocking supplies
• Routine maintenance reserve
• Other normal operating expenses
✅ Estimated Monthly Cash Flow AFTER all operating expenses and debt service: $1,650–$2,150
That’s approximately:
• $19,800–$25,800 in annual cash flow
• $99,000–$129,000 over five years per cabin (before taxes and major capital improvements)
My goal is to build a portfolio of these cabins across multiple states, and I’m looking to establish relationships with lending partners who can support both the construction phase and the long-term refinance as each project is completed.
If you’re a lender, mortgage broker, insurance agent, or know someone who specializes in construction loans, DSCR loans, conventional investment property financing, or short-term rental insurance, I’d love to connect.
Please comment below or send me a message. I appreciate any referrals as well!
