Lisa Stepp-Seritt NMLS # 680403 Mpire Financial, Sr. Loan Officer

Lisa Stepp-Seritt NMLS # 680403 Mpire Financial, Sr. Loan Officer I help homeowners and real estate investors across the U.S. All links & resources: https://t.mtrbio.com/steppupyourgame

Mortgage & real estate financing specialist | Mpire Financial NMLS # 2108504 | NMLS # 680403 | Equal Housing Opportunity Lender | 24+ yrs helping homeowners & investors nationwide buy, refinance, and unlock equity in residential properties—including short‑term rentals, long‑term rentals, renovation projects, primary homes, and reverse mortgages—backed by 24+ years of mortgage and real estate financi

ng experience. Services include:
– Short‑term and mid‑term rental financing
– Long‑term rental and portfolio / DSCR loans
– Primary home purchase and refinance
– Renovation, construction, and value‑add loans
– Reverse mortgages and equity‑release strategies

Mpire Financial NMLS # 2108504
NMLS # 680403
Equal Housing Opportunity Lender

Based in Knoxville, serving clients nationwide.

Before you fall in love with that cabin, make sure the financing fits. 🏡My latest article covers three questions to ask ...
09/02/2026

Before you fall in love with that cabin, make sure the financing fits. 🏡

My latest article covers three questions to ask before making an offer:

✅ What rental income can the lender use?
✅ How much cash will you need?
✅ Could a prepayment penalty affect your plans?

Plus, learn how seller concessions may reduce eligible closing costs—leaving more of your own cash available for updates or furnishings.

Read the article:
https://blog.lisastepp.com/post/buying-a-short-term-rental-3-financing-questions-to-ask-before-you-make-an-offer

Have a property in mind? Visit LisaStepp.com and select Review My Deal.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Equal Housing Opportunity

Educational only. Not a commitment to lend. Subject to qualification and program requirements. Seller concessions are subject to eligible costs and program limits. Rental projections do not guarantee income.

09/01/2026

Found a short-term rental you love? Before you make an offer, check the financing—not just the rental projections.

In this video, I cover:
✅ What rental income a lender may accept
✅ Your total cash needed—not just the down payment
✅ Loan terms that fit your plans

Plus, how seller concessions may reduce eligible closing costs, leaving more of your own cash available for updates, furnishings, or reserves.

Have a property in mind? Visit LisaStepp.com and select Review My Deal.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Equal Housing Opportunity

Educational purposes only. Not a commitment to lend. Subject to borrower and property eligibility and lender requirements. Seller concessions are subject to program limits and eligible costs.

08/31/2026

That cabin’s projected rental income looks promising—but will a lender use it to qualify you? 🏡

Seller rental history, property manager estimates, and AirDNA projections aren’t interchangeable. What’s accepted depends on the loan program.

Before you make an offer, understand which numbers your lender can use. And remember: loan qualification doesn’t guarantee positive cash flow.

Have a property in mind? Visit LisaStepp.com and select Review My Deal.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504
Equal Housing Opportunity

08/28/2026

Closing on a short-term rental with no money left in reserve is not a strong investment strategy.

After the down payment and closing costs, you may still need cash for:

✅ Furniture and supplies
✅ Repairs and improvements
✅ Hot-tub or HVAC problems
✅ Insurance or utility deposits
✅ Slower booking periods
✅ Unexpected operating expenses

The projected revenue may look impressive—but what remains after the mortgage and operating expenses is what matters.

🚨 Before making an offer, DM me **RESERVES**. I’ll review the financing, estimated payment and cash remaining after closing. I can also provide an AirDNA report when needed.

Save this post, share it with another investor and follow **Stepp Up Your Game** for straightforward STR financing education.



Educational purposes only. Not an appraisal, investment, legal or tax advice, a commitment to lend, underwriting decision or guarantee of rental income, eligibility, approval or future performance.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504 | Equal Housing Opportunity

08/27/2026

The lowest mortgage rate does not automatically create the best short-term rental financing strategy.

A larger down payment may reduce the monthly payment—but it also puts more of your cash into the property.

A smaller down payment may preserve money for furnishings, repairs and reserves—but creates a higher monthly payment.

The right strategy should balance:

✅ Monthly cash flow
✅ Available reserves
✅ Cash required at closing
✅ Future investment plans
✅ The property’s realistic performance

🚨 Before choosing a loan based solely on the advertised rate, DM me **OPTIONS**. I’ll compare the financing strategies and show you how each one affects your cash flow and available reserves.

Save this post, share it with another investor and follow **Stepp Up Your Game** for straightforward STR financing education.



Educational purposes only. Not an appraisal, investment, legal or tax advice, a commitment to lend, underwriting decision or guarantee of rates, rental income, eligibility, approval or future performance.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504 | Equal Housing Opportunity

08/26/2026

The mortgage payment is only one part of owning a short-term rental.

Your projections should also include:

✅ Property taxes and insurance
✅ Utilities and internet
✅ Cleaning and management fees
✅ Platform fees and supplies
✅ Pest control and routine maintenance
✅ Furniture, hot-tub and HVAC repairs

If these expenses aren’t included, the projected cash flow probably isn’t realistic.

🚨 Considering an STR? DM me **REVIEW** before making an offer. I’ll provide a second look at the financing and an AirDNA report when needed.

Save this post for your next property analysis, share it with another investor and follow **Stepp Up Your Game** for straightforward STR financing education.



Educational purposes only. Not an appraisal, investment, legal or tax advice, a commitment to lend, underwriting decision or guarantee of rental income, eligibility, approval or future performance.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504 | Equal Housing Opportunity

08/25/2026

A short-term rental projecting $100,000 in annual revenue may sound like a fantastic investment—but that number does not tell the whole story.

You also need to know:

✅ The average nightly rate
✅ The required occupancy level
✅ The strongest and slowest months
✅ How seasonality affects cash flow
✅ Whether the property survives a realistic stress test

Lower the projected occupancy or nightly rate and run the numbers again.

If the property only works under perfect conditions, it probably doesn’t work.

🚨 Before you make an offer, DM me **REVIEW**. I’ll provide a second look at the financing and an AirDNA report when needed—before excitement turns into an expensive mistake.

Follow **Stepp Up Your Game** for straightforward STR financing education.



Educational purposes only. Not an appraisal, investment, legal or tax advice, a commitment to lend, underwriting decision or guarantee of rental income, eligibility, approval or future performance.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504 | Equal Housing Opportunity

08/24/2026

🚨 Don’t trust one revenue projection when buying a short-term rental.

The seller or listing agent may provide an estimate—but your decision should also consider:

✅ At least 12 months of actual rental history
✅ Property-management projections
✅ AirDNA market data
✅ Comparable nearby properties

Never base your financing decision on one unusually strong month or the most optimistic numbers.

Considering an STR? DM me **REVIEW** for a second look at the financing and an AirDNA report when needed.

Follow **Stepp Up Your Game** for straightforward STR financing education.



Educational purposes only. Not an appraisal, investment, legal or tax advice, a commitment to lend, underwriting decision or guarantee of rental income, eligibility, approval or future performance.

Lisa Stepp-Seritt | NMLS #680403
Mpire Financial | NMLS #2108504 | Equal Housing Opportunity

08/21/2026

Your Preapproval May Not Mean What You Think It Means ⚠️

You have a mortgage preapproval, so you’re ready to make an offer…right?
Not always.
A preapproval is only as strong as the information that was actually reviewed.
Your income, assets, credit, debts, occupancy, property type, and loan program can all affect your financing.
Buying a primary residence is very different from buying a second home or investment property.
Before making an offer, make sure your lender understands exactly what you’re buying and how you plan to use it.
Five minutes upfront can prevent a major problem later.

👉 Already preapproved and getting ready to make an offer? Message me “PREAPPROVAL” and I’ll tell you the questions I’d want answered before you sign a contract.



Lisa Stepp-Seritt | NMLS #680403 | Mpire Financial | NMLS #2108504 | Equal Housing Opportunity.
Educational purposes only. This is not a commitment to lend. Loan programs, guidelines, rates, terms, and eligibility are subject to change and borrower/property qualification.

08/20/2026

You Don’t Need a W-2 to Buy an Investment Property 💰

Think you need a traditional W-2 job to qualify for an investment property?
Not necessarily.

With certain DSCR loan programs, qualification may be based primarily on the rental income generated by the property rather than your personal employment income.

That can be a powerful option for business owners, self-employed borrowers, retirees, and real estate investors whose tax returns may not tell the whole story.

DSCR isn’t right for every borrower or property — but if traditional income documentation has been holding you back, there may be another way.

👉 Thinking about buying an investment property? Comment “DSCR” or send me a message and I’ll help you determine what options may fit your scenario.



Lisa Stepp-Seritt | NMLS #680403 | Mpire Financial | NMLS #2108504 | Equal Housing Opportunity.
Educational purposes only. This is not a commitment to lend. Loan programs, guidelines, rates, terms, and eligibility are subject to change and borrower/property qualification.

Address

Knoxville, TN
37931

Website

Alerts

Be the first to know and let us send you an email when Lisa Stepp-Seritt NMLS # 680403 Mpire Financial, Sr. Loan Officer posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category