Mountain Mortgage
Conventional vs FHA vs VA — which fits you?
Where investment and second-home financing sits next to the standard loan types.
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Investment & STR Financing
Most lenders price Pocono cabins as "rural" and cap you at 70% LTV. We shop the ones that don't.
DSCR loans built around your property's cash flow — short-term or long-term rental income, every rate and prepay structure priced side-by-side, with a transparent 1% origination model.
Deal math, locally
Three things nobody tells Pocono investors
The Poconos is one of the strongest STR markets within two hours of NYC — and one of the easiest to misfinance. Here's what actually moves your numbers:
- The 180-day second-home trap. Second-home loans carry better rates than investment loans — but they require personal use and restrict renting. Running your "vacation home" as a full-time Airbnb on second-home financing is occupancy fraud. We structure deals so the financing matches the actual plan.
- Not all lenders count Airbnb income. Some DSCR lenders underwrite projected STR income; some want 12 months of statements; many only count long-term market rent. On a Pocono cabin, that difference can swing your DSCR from "doesn't qualify" to "easy approval." We know which lender does which.
- Prepay structures are a price tag, not fine print. 5-4-3-2-1 step-downs, 3-year structures, or no penalty at all — each has a rate attached. Our tool prices every option side-by-side so you can buy exit flexibility deliberately instead of discovering it at closing.
Township permits change the deal too — Coolbaugh, Tobyhanna, and Middle Smithfield each treat STRs differently, and HOA rules can override all of them. Ask us about a specific property before you write the offer.
Free · Ungated · Built for investors
Price your rental deal in minutes — every option on one screen
Every rate, leverage tier, and prepay structure for your rental or Airbnb — long-term and short-term income — without handing over your contact info. A transparent 1% origination model that can often be built into the rate.
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Investor Reading
Sharpen your underwriting
How much cash do I really need to close in the Poconos?
Down payment, closing costs, prepaids, reserves — investor edition included.
Read the articleWhat's actually in my Poconos mortgage payment?
Principal, interest, taxes, insurance, HOA dues — every line that hits your cash flow.
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"Paul was amazing with his all around knowledge along with him being a mortgage broker it was a one stop shop!! He also went out of his way to help with any thing needed to keep the ball rolling! Would highly recommend and will definitely be using for transactions in the future."
FAQ
Investor financing questions, answered
DSCR stands for debt service coverage ratio — the property's monthly rent divided by its monthly payment. A DSCR of 1.25 means rent covers the payment 1.25 times over. DSCR loans qualify you on the property's income instead of your W-2s and tax returns, which makes them the go-to product for rental and Airbnb investors.
With the right lender, yes. Some DSCR lenders underwrite projected short-term rental income using market data; others accept 12 months of actual STR statements; many only count long-term market rent. The difference can make or break a Pocono deal, which is exactly why we shop multiple DSCR lenders instead of one.
Most DSCR programs want 20–25% down, with the strongest pricing at lower leverage. Conventional investment loans run similar. The trap to avoid: some lenders treat Pocono cabins as rural or non-warrantable and cap you at lower leverage regardless — we steer your deal to the lenders that don't.
DSCR loans commonly allow — and many investors prefer — vesting title in an LLC. Conventional investment loans generally require you to close in your personal name. If LLC ownership matters to your strategy, that often points toward DSCR; we'll walk through the trade-offs for your scenario.
Most DSCR loans carry a prepayment penalty for the first years — commonly a 5-4-3-2-1 step-down or a 3-year structure. Accepting a longer prepay usually buys you a lower rate; paying for a shorter one preserves your exit flexibility. Our DSCR tool shows every prepay option priced side-by-side so you can see exactly what flexibility costs.
Know if the deal pencils — before you write the offer.
Run the numbers yourself, or send us the deal and we'll come back with a real pricing review within one business day. No income docs, no hard pull, no obligation.
Or reach us directly: (484) 469-5070 · info@mountainmortgage.us