If you’ve been dreaming about a little getaway tucked in the Poconos maybe a lakeside retreat, a cozy cabin, or a modern mountain escape you’re not alone. Our region continues to attract buyers who want a place to unwind and those looking to build wealth through short- or long-term rentals.

The great news? There are multiple ways to finance a second home here, and with the right guidance, the process can be smooth, strategic, and surprisingly flexible.

Let’s break down your options.

Buying a Vacation Home (Second Home Financing)

If your goal is a personal retreat a place to relax, host family, or escape for weekend resets lenders treat this as a second home purchase.

Here’s what that usually means:

  • You must qualify for both payments: your primary home mortgage and the Poconos property.
  • You plan to occupy the home personally: not as a full-time rental.
  • Rates are often better than investment loans because second homes carry less risk.

This is a wonderful path if your dream is simply to enjoy the beauty of the Poconos without making the property a rental.

Turning Your Poconos Home Into an Airbnb or VRBO

Short-term rentals are incredibly popular in our area, and lenders look at these differently from second homes.

With a true investment property, your financing can include:

Rental Income to Help You Qualify

Lenders will use projected or actual rental income to offset the mortgage payment. This can make a big difference when qualifying especially with popular STR areas like Lake Wallenpaupack, Pocono Lake, and the surrounding communities.

Multiple Investment Loan Options

You can go:

  • Short-term rental (Airbnb/VRBO)
  • Long-term rental
  • Income-verified loans
  • No-income-verification options

The flexibility here is ideal for investors building a portfolio, diversifying income, or starting their STR journey.

DSCR Loans: A Powerful Option for Poconos Investors

If you want even more flexibility, a Debt Service Coverage Ratio (DSCR) loan may be the perfect fit.

Why DSCR Loans Stand Out:

  • Use rental income not personal incometo  qualify
  • Great for both experienced and first-time investors
  • LLC ownership allowed (Conventional financing requires personal ownership)
  • Fast approvals and smooth guidelines

Most appraisers will use long-term market rents for DSCR evaluations.
However, a handful of lenders will allow short-term rental income projections, which is a game-changer in the Poconos where STR revenue is often much higher.

No matter which direction you choose, you’ll have options and we’ll match you with the lender that fits your goals.

Choosing the Best Path for Your Goals

The beauty of buying in the Poconos is that you’re investing in a region with steady demand, natural beauty, four-season activities, and incredible rental potential.

Whether you’re dreaming of:

  • A place for your family to make memories
  • A weekend getaway of your own
  • A short-term rental that pays for itself
  • A long-term investment to build your portfolio

…you have a financing solution available.

As a mortgage broker, I shop multiple lenders, compare programs, and help you choose the structure that makes the most sense for your budget, your strategy, and your long-term vision.

If you’re exploring the idea of a second home or investment property in the Poconos, let’s talk through your options. I’m here to guide you every step of the way warm, personal, and completely customized to your goals.

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