Plan cash flow before you lock financing

ASTRO is not a lender or broker. This page gives you a simple planning ratio (estimated STR income vs estimated housing cost) and a path to request an introduction to Judith (“Judy”) Hamblen, an independent mortgage professional, for education and next steps. Approval, rates, and terms are always decided by the lender—not ASTRO.

STR income vs housing cost (planning)

Estimate whether monthly STR revenue relates sensibly to your monthly housing payment. Not a loan quote or approval.

Planning tool only. This shows an illustrative ratio. It is not underwriting or financial advice. Lenders use documented income and their own rules; STR income may be treated differently.

Monthly STR income (gross estimate)Monthly PITI (principal, interest, taxes, insurance)HOA / COA dues (optional)Mortgage insurance (optional)

The ratio above uses your gross STR income as entered. Turn on conservative haircut if you want a simple stress check (illustration only).

Enter income and PITI to see your planning ratio.

What this means

Enter your estimated monthly STR income and monthly housing cost to see an illustrative planning ratio.

How owners use this

Purchase or refi with STR on the file: use the planner above as a rough stress check on cash flow vs housing cost before you lock a timeline—then talk through documentation with a licensed originator.
Foreign national or cross-border: program availability and documentation differ from domestic retail paths; confirm eligibility and reserves with the lender.
Visa holder: visa type and employment history matter; treat partner materials as educational, not a guarantee of approval.
Condo / non-warrantable risk: project-level factors (insurance, litigation, occupancy mix) can change what financing is available—expect extra diligence.

About this mortgage partner

Judith (“Judy”) Hamblen is the independent mortgage professional featured on this page for ASTRO members who are exploring residential financing in STR-heavy or investor-adjacent situations. Judy Hamblen (NMLS #370943) works with Coast2Coast Mortgage LLC (NMLS #376205), based in St. Augustine, Florida.

Judy works with borrowers navigating STR income, investor properties, and other non-standard financing scenarios where conventional guidelines may not apply. Verify current licensing, geography, and contact channels through NMLS Consumer Access and the partner’s own disclosures before you rely on them.

ASTRO does not originate loans. Terms, rates, and approval are solely between you and the lender under their underwriting rules.

Request an introduction

Introductory request only. ASTRO is not a lender; approval and terms are solely between you and the licensed professional.

First nameLast name

EmailPhoneProperty stateScenarioTarget timeline

Optional. After you enter monthly STR income and PITI in the planner and move focus to another field (or another control there), we copy those amounts here so your request can match what you modeled.

Monthly STR income (optional)Monthly PITI (optional)Message (optional)

By submitting, you consent to be contacted by the mortgage partner named on this page and the ASTRO team about this request. Do not include sensitive information (SSN, account numbers). Mortgage approval depends on lender underwriting and documentation.

Verify NMLS registration, licensing, and geographic scope through NMLS Consumer Access and the partner's public disclosures. ASTRO does not verify or guarantee licensing in specific states until an approved verification process confirms it.