Own a short-term rental without running the search, the numbers, or the loan.
Kleer Circle selects the market, underwrites the property, designs it, and launches it. RC Lending structures the financing behind it. You approve the deal and collect the returns.
See What I Qualify For Takes 2 minutes. No credit pull, no cost, no commitment.Two teams, one file, from the first call to the first booking
Doing this yourself takes 200 plus hours: picking a market, pulling comps, underwriting, chasing a lender who understands short-term rental income, then furnishing and launching the thing.
Kleer Circle runs the investment side. RC Lending runs the financing side. Both start on day one, so your buying power is confirmed before you ever look at a property.
Start My DealVision callDays 1–3
Your budget, your target return, your tax situation, and how hands-off you want to be. Kleer Circle maps the markets that fit.
Financing verifiedDays 2–5
RC Lending confirms your real purchasing power and the loan structure before you shop, so offers go out backed by an underwritten file.
Deals presentedWeeks 1–2
Kleer Circle sources and underwrites properties, then brings you only the ones that pencil. You pick. They negotiate.
Under contractDay 30
Closing, financing, and inspection timelines stay coordinated between the same two teams the entire way.
Design, furnish, launch
Kleer Circle designs the property to compete in its market, builds the listing, and stands up the operations behind it.
Three operators who own what they sell
Every partner at Kleer Circle owns and runs short-term rentals personally. The advice you get is the same process they use on their own portfolios.
One of the most experienced operators in the short-term rental industry. Logan has personally launched over 40 short-term rentals through his platform West Properties and has helped students launch more than 1,000 STRs of their own, giving him rare depth across acquisition, design, launch, and operations in markets nationwide. He lives in Alpine, Utah with his wife Bri, co-founder of Somerled Designs, and their three kids.
A short-term rental operator and investor with a portfolio of 11 properties across 6 states. Over the past three years Grant has advised more than 600 high-income professionals on acquiring and operating short-term rentals, with client projects spanning 42 states, covering sourcing and negotiating the right property, designing it to compete in its market, and building the operations behind it. He lives in Alpine, Utah with his wife Annie and his daughter Daphne.
A Seattle-based entrepreneur and investor focused on backing high-growth companies and real estate operators with technology upside. In 2023 he launched the flagship private equity fund for Alchemy Real Estate, a 20-plus year Seattle residential development firm, where he created the capital and fundraising strategy. Previously he founded Modus, a tech-enabled title insurance company acquired by Compass in 2020.
The four reasons high earners stall before they ever buy
The property is rarely what stops people. It is the financing question nobody gave them a straight answer on.
Here is the honest version.
Run My NumbersFinancing built around how the property actually earns
Short-term rentals do not fit a standard primary residence file. These are the structures that do, matched to your income, your entity, and the property itself.
See My OptionsDSCR
Qualify on the property’s projected income instead of your personal DTI.
Second Home
For a property you will personally use part of the year.
Conventional Investment
Standard investment property financing for strong credit profiles.
Bank Statement & Self-Employed
Qualify on deposits rather than tax returns.
Jumbo
For higher-priced properties above conforming loan limits.
Portfolio & Blanket
Finance several properties under one structure as the portfolio grows.
Cash-Out Refinance
Pull equity out of what you already own to fund the next purchase.
HELOC & Second Lien
Use existing equity toward the down payment without touching your first mortgage.
Bridge
Short-term financing when the timing of two transactions does not line up.
Renovation & Fix and Flip
For value-add properties that need work before they can launch.
Entity & LLC Vesting
Financing structured to close in the entity you hold the asset in.
Commercial & Multifamily
For 5-plus unit properties and mixed-use buildings.
Who handles what
Two firms, clearly divided, already working the same file. Nothing gets relayed through you.
Kleer Circle
- Market selection and deal sourcing
- Underwriting and revenue projections
- Offer strategy and negotiation
- Design, furnishing, and photography
- Listing build and launch
- Ongoing operations and management setup
RC Lending
- Pre-approval and real purchasing power
- Loan structure matched to the property type
- Program search across 130+ lending partners
- Underwriting, appraisal, and closing coordination
- Entity and vesting guidance with your advisors
- Refinance and the next acquisition later
One intake form. Both teams see it the same day.
See what you qualify for
Tell us where you are at and what you are trying to buy. RC Lending comes back with your purchasing power and the loan structures that fit, and Kleer Circle comes back with the markets worth looking at.
No credit pull, no cost, no commitment.
Ricardo Carrillo
Ricardo built RC Lending around the borrowers most banks turn away first: self-employed earners, investors carrying multiple properties, and buyers whose file needed a structure their bank did not offer. His team services all 50 states and Puerto Rico and personally oversees every client Kleer Circle sends over.
Nationwide operator. Nationwide lender.
Kleer Circle client projects span 42 states. The financing side covers all 50 and Puerto Rico.
Start with the number. The property gets easier after that.
First short-term rental or fifth. One conversation tells you what you can actually buy and where it makes sense to buy it.
See What I Qualify For Takes minutes. No credit pull, no cost, no commitment.RC Lending is a Team of Cornerstone First Mortgage
Lender
Company NMLS ID: #173855 | Individual NMLS ID: #1820777
© 2026 Cornerstone First Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 173855. This is informational only and is not an offer of credit or commitment to lend. Interest rates, products, and loan terms are subject to change without notice and may not be available at the time of loan application or loan lock-in. Contact Cornerstone First Mortgage, LLC to learn more about your eligibility for its mortgage products. Loans are subject to buyer, builder, and property qualification. Cash reserves may be required. Cornerstone First Mortgage, LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. (www.nmlsconsumeraccess.org)
*14 to 30 day closings reflect an average for most loan programs and typically do not apply to commercial or SBA programs. Reach out to your loan officer for more details.
Kleer Circle and RC Lending / Cornerstone First Mortgage, LLC are separate companies and are not affiliated. This is a joint marketing effort. You are not required to use Kleer Circle as a condition of obtaining financing, and you are not required to use RC Lending as a condition of any real estate purchase, sale, or advisory service. You are free to shop for the real estate and mortgage provider of your choice.
Portfolio figures, revenue figures, property counts, and client counts described on this page were provided by Kleer Circle and reflect the individual results of its founders and clients. Short-term rental income is variable and depends on market, seasonality, regulation, property condition, and management. Past performance is not a guarantee or projection of future results, and no specific return, occupancy, or revenue outcome is promised.
Neither RC Lending nor Cornerstone First Mortgage, LLC provides tax, legal, or investment advice. Cost segregation studies, depreciation treatment, material participation, and any tax outcome depend on your individual circumstances and should be reviewed with your own CPA or tax attorney. Loan programs, rates, down payment requirements, and eligibility criteria vary by lender and are subject to individual qualification. This page is informational only and is not a guarantee of approval or of specific loan terms.