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ForumsArrowRenters DiscussionArrowShort Term Renting Primary Residence
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Start a Discussion

Short Term Renting Primary Residence

6 Replies

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  • 1
Chris Weaver
  • 59 posts
  • 13 votes

Chris Weaver
Flipper from North Conway, New Hampshire

posted over 2 years ago

Is it possible to buy a primary residence and live in it but also rent it on AirBnB when I'm on vacation or on weekends when I'm away? Are there a certain number of days the house must be owner occupied to stay within the mortgage guidelines for OO?

JD Martin
  • 4.8K posts
  • 5.8K votes

JD Martin (Moderator) -
Rental Property Investor from Northeast, TN

replied over 2 years ago

As long as you don't own another property I doubt anyone can claim you don't live there, regardless of the short-term rental stuff. For taxes the IRS usually considers anywhere you live more than 6 months your "primary" residence. 

Chris Weaver
  • 59 posts
  • 13 votes

Chris Weaver
Flipper from North Conway, New Hampshire

replied over 2 years ago

Quicken Loans said you could only rent a primary for two weeks a year. Does anyone know if this is a requirement with all lenders or just them?

Blake Brose
  • 148 posts
  • 34 votes

Blake Brose
Realtor from Kansas City, MO

replied over 2 years ago

@Chris Weaver

It all depends on the lender. Some lenders don't care what you are doing with the house at all. As long as you are paying the mortgage, they couldn't care less. 

Blair Russell
  • 273 posts
  • 145 votes

Blair Russell
Investor from Las Vegas, Nevada

replied over 2 years ago

@Blake Brose is right but don't forget Insurance, and the IRS.

Chris Weaver
  • 59 posts
  • 13 votes

Chris Weaver
Flipper from North Conway, New Hampshire

replied over 2 years ago

From what I understand if you buy a primary residence with a low down payment you often have to live in the home for a certain period of time. Is that not what others have heard?

Jeff B.
  • 5.6K posts
  • 2.3K votes

Jeff B.
Buy & Hold Owner from Redlands, California

replied over 2 years ago

Lookup Vacation Home occupancy, which limits the number of days you can use it and still consider it non-primary. Sure the STR would be treated similarly.

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