30 year loans for investment or vacation home

[Johan Van Rensburg]

Anyone have any recommendations/referrals/tips on how to secure a 30yr loan for a vacation/investment property? We do intend to rent it out via ABNB and others as well as use it ourselves. Thanks in advance for any feedback!!

[Joe Splitrock]

Originally posted by @Johan Van Rensburg:

@Joe Splitrock thanks Joe! We will likely use it at least 3-4weeks out of the year.

The rule is greater of 14 days or 10% personal use. Anything over that for personal use and you need to split expenses between rental and personal. I would just target to keep it rented at least 210 days for 3 weeks personal or 280 days for 4 weeks personal usage. That shouldn't be an issue with AirBNB provided you keep the property actively listed.