STR DSCR lenders that publish a max purchase LTV of 85% or more
6 of the 25 direct lenders we track publish a maximum purchase LTV of 85% or higher (a down payment of 15% or less). Each figure links to the lender page it came from, with the date we checked it. Sorted by the published figure, not ranked by quality.
- On this list
- 6
- Publish, but don't qualify
- 17
- Not published
- 2
- Checked
- Oct 19, 2026
Lenders
| Lender | Max LTV buy | Max LTV cash-out | Min credit score | STR income | Verified |
|---|---|---|---|---|---|
| Angel Oak Mortgage SolutionsWholesale (via approved mortgage professionals) | 85%source · Oct 19, 2026 | Not published | 680source · Oct 19, 2026 | Projectionlender sources · Oct 18, 2026 | |
| Defy MortgageDirect lender | 85%source · Oct 19, 2026 | 80%source · Oct 19, 2026 | 640source · Oct 19, 2026 | Eithersource · Oct 19, 2026 | |
| Griffin FundingDirect lender (consumer-direct) | 85%lender sources · Oct 18, 2026 | 80%source · Oct 19, 2026 | 620source · Oct 19, 2026 | Eithersource · Oct 19, 2026 | |
| LendSure MortgageWholesale | 85%source · Oct 19, 2026 | 75%source · Oct 19, 2026 | 660source · Oct 19, 2026 | Eithersource · Oct 19, 2026 | |
| theLenderDirect and broker | 85%lender sources · Oct 18, 2026 | 75%lender sources · Oct 18, 2026 | Not published | Projectionlender sources · Oct 18, 2026 | |
| Visio LendingDirect lender | 85%source · Oct 19, 2026 | Not published | 680source · Oct 19, 2026 | Eitherlender sources · Oct 18, 2026 |
A lender is listed only if its own pages publish a maximum purchase LTV of 85% or higher (a down payment of 15% or less). 2 direct lenders don't publish this, so they aren't listed; that doesn't mean they don't offer it. Published maximums and minimums are best cases that usually need strong credit and experience. Confirm current terms with the lender.
Related
Other lender lists
This list by state
- DSCR lenders in Florida3 on this list publish FL coverage
- DSCR lenders in Texas3 on this list publish TX coverage
- DSCR lenders in Georgia3 on this list publish GA coverage
- DSCR lenders in Tennessee3 on this list publish TN coverage
- DSCR lenders in North Carolina3 on this list publish NC coverage
- DSCR lenders in Arizona2 on this list publish AZ coverage
- DSCR lenders in California3 on this list publish CA coverage
- Where the 10-year Treasury moved and what it means for STR loan pricing
- Lender term changes flagged on the lenders' own pages
- A short, plain-English STR financing explainer
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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.