HINOKI

HINOKI

The right loan for your hospitality property.

Hinoki finds you best rate on private investment property loans. We’re built for visionary creators and entrepreneurs.

You qualify based rental potential—no need to show personal income. All you need is a down payment.

Make space.

Mortgage lenders don’t understand founders and freelancers. We do.

Our team has created dozens of beautiful properties. Now we’re helping visionaries build their own spaces to share.

We’ll fund your vision with a quick process—no income docs required. And we’ll help you get started hosting.

Let’s grow.

We love seeing our community expand.

If you already have rental income, we can help with the down payment for your new project or help fund a new cabin unit or ADU.

Our playbook.

Hinoki shares more than capital. We’re working to support our community for the full journey—from finding a space to sharing it.

  • Hinoki is a next-generation lender led by a team of experienced vacation hosts and technologists. We’ve collectively owned and operated dozens of short-term rental units with millions in revenue. We understand hosting and love supporting our community. Hinoki is the lender we wish we’d had all along.

    We think short-term rentals can invigorate economies, increase diversity in home ownership, and improve access to travel and the outdoors. And we’ve loved our personal experiences sharing our spaces with thousands of guests.

    We deeply admire rule-breaking creators and freelancers, including people with new ideas in business and culture—we work to fund this diverse group. We care about intergenerational wealth, the future of flexible work, and free travel.

    Airbnb isn’t perfect, but in a world where individuals are increasingly competing for real estate with institutional investors, we’re supporting creative people and taking incremental wins on the road to more impactful ones.

  • This is the fun part. Our borrowers are an emerging community of space makers. We understand the commitment you bring to hosting and the reasons you care.

    We’re building resources from guidebooks, to discounts, to tech for our community.

    We also want to cultivate connections between you and help you inspire each other. Follow us on social and join our mailing list to get a sense of our world.

  • Our main requirement is that your rental income can service your mortgage payment. We project your rental income using Airbnb rental data. Your property does not need have a track record as an Airbnb, and your personal income won’t prevent you from qualifying.

    Our only other requirement is a modest 620. Access matters to us. If you’re close, just drop us an email, and we can talk through improving your score and getting you qualified.

  • It’s been a funny time in mortgages. We start on par with the best options in asset-based lending at 20-25%.

    Our longterm goal is to reduce this barrier for our borrowers.

    If you’re an experienced host, as how we can help with the down payment!

  • Our sweet spot is individually run short-term rental properties. We typically offer loans in the range of $150k to $1.75 mm range.

    We lend in all 50 U.S. states.

    Our closing timelines are fast—generally 14-21 days.

  • For experienced hosts, we have options to help finance your ADU purchase or build. Drop us an email at hello@itshinoki.com :)