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STR DSCR lenders by feature

Each list is a plain filter on what the 25 direct lenders we track publish (referral sources are not listed) on their own pages. A lender that doesn't publish the figure isn't listed. Lists are sorted by the published figure, not ranked by quality. Terms checked Oct 19, 2026.

17 LENDERSNo booking history neededLenders that publish that they count short-term rental income from a projectionSee the list →10 LENDERSMin credit score 640 or lowerLenders that publish a minimum credit score of 640 or lowerSee the list →6 LENDERSMax purchase LTV 85% or higherLenders that publish a maximum purchase LTV of 85% or higherSee the list →14 LENDERSDSCR below 1.0 or no-ratioLenders that publish that they allow a DSCR below 1.0, offer a no-ratio option, or bothSee the list →14 LENDERSMin loan $100K or lessLenders that publish a minimum loan amount of $100K or lessSee the list →10 LENDERSFirst-time investors allowedLenders that publish that first-time investors are eligibleSee the list →

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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.