Senior Loan Officer – Short-Term Rental & DSCR Specialist

About  STR Home Loans

Savvy STR Home Loans is the specialized lending arm spun off from Savvy STR Agents. Our mission is simple: provide real estate agents and their investor clients with a complete "virtual box of solutions" for acquiring, financing, and scaling short-term rentals (STRs).

We are a fast-moving startup breaking away from the rigid, conventional mortgage mold. We are looking for an entrepreneurial, autonomous Loan Officer who speaks the language of STRs and wants to get in on the ground floor of a niche, high-opportunity lending operation.

The Role

This is not a W-2, assembly-line loan processing gig. We need a strategic advisor who understands the unique financial dynamics of short-term rental investing.

You won't just be pushing paper; you will be consulting directly with real estate agents and investor-buyers to structure creative deals. When a standard, formulaic Debt Service Coverage Ratio (DSCR) calculation doesn't quite hit the required target, you are the expert who knows how to pivot, analyze cash flow projections, and recommend alternative loan structures to make the deal work.

Key Responsibilities

• Originate & Advise: Act as the primary lending strategist for our network of STR-focused real estate agents and their buyer clients.
• Master Niche Products: Deeply navigate DSCR loans, bank statement programs, and non-QM products tailored specifically to real estate investors.
• Creative Deal Structuring: Solve complex financing puzzles. When standard underwriting formulas fall short, leverage alternative approaches and product knowledge to salvage viable deals.
• Build the Playbook: As a startup team member, help refine standard operating procedures, optimize loan workflows, and shape our operational systems as we scale.
• Partner Integration: Build deep, trusted relationships with our agent network, becoming an indispensable asset in their deal pipeline.

Qualifications & Requirements

• Licensing: Active MLO license (NMLS in good standing). We are open to candidates located in or licensed across any US market.
• Niche Expertise: Proven experience with DSCR loans and the short-term rental asset class. You comfortably speak cap rates, occupancy estimates, seasonality, and cash-on-cash returns.
• Consultative Approach: Proven ability to build trust quickly and guide investors through non-traditional financing options.
• Startup Mindset: Highly autonomous, adaptable, and comfortable operating in an evolving environment where you help build the infrastructure.
• Nice to have experience with other loans types, such as conventional mortgage

Compensation Structure

We offer a transparent, top-tier commission split designed for high-performing originators:

Structure / Details / Commission Split

40% of gross commission earned

Standard Company Fee

1.5% of the total loan amount

Example Payout

On a $1,000,000 funded deal, gross fee is $15,000  Your payout is $6,000

Note: This is a performance-driven role with uncapped earning potential.

This Role is Not for You If:

• You require a rigid corporate playbook with every step pre-defined for you.
• Your expertise is strictly limited to conventional, W-2, residential mortgages.
• You freeze up when an investor deal hits an underwriting roadblock instead of actively engineering a Plan B.