STR DSCR lenders with a published minimum credit score of 640 or lower
10 of the 25 direct lenders we track publish a minimum credit score of 640 or lower. 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
- 10
- Publish, but don't qualify
- 10
- Not published
- 5
- Checked
- Oct 18–Oct 19, 2026
Lenders
| Lender | Min credit score | STR income | Min DSCR | Max LTV buy | Verified |
|---|---|---|---|---|---|
| A&D MortgageWholesale / correspondent | 620source · Oct 19, 2026 | Eithersource · Oct 19, 2026 | Not published | 80%source · Oct 19, 2026 | |
| Griffin FundingDirect lender (consumer-direct) | 620source · Oct 19, 2026 | Eithersource · Oct 19, 2026 | Not published | 85%lender sources · Oct 18, 2026 | |
| LendmireMortgage brokerage | 620source · Oct 19, 2026 | Eitherlender sources · Oct 18, 2026 | 1.00source · Oct 19, 2026 | 75%source · Oct 19, 2026 | |
| Truss Financial GroupLender/broker | 620lender sources · Oct 18, 2026 | Not published | Not published | Not published | |
| 1st Nationwide MortgageMortgage company | 640source · Oct 19, 2026 | Eitherlender sources · Oct 18, 2026 | 1.00source · Oct 19, 2026 | 80%source · Oct 19, 2026 | |
| Acra LendingWholesale | 640source · Oct 19, 2026 | 12-month historylender sources · Oct 18, 2026 | Not published | 75%source · Oct 19, 2026 | |
| Defy MortgageDirect lender | 640source · Oct 19, 2026 | Eithersource · Oct 19, 2026 | 0.75source · Oct 19, 2026 | 85%source · Oct 19, 2026 | |
| Easy Street CapitalDirect lender | 640source · Oct 19, 2026 | Eithersource · Oct 19, 2026 | Not published | 80%source · Oct 19, 2026 | |
| Newfi WholesaleWholesale | 640source · Oct 19, 2026 | Eithersource · Oct 19, 2026 | 1.00source · Oct 19, 2026 | 80%source · Oct 19, 2026 | |
| NQM FundingWholesale | 640source · Oct 19, 2026 | 12-month historysource · Oct 19, 2026 | Not published | Not published |
A lender is listed only if its own pages publish a minimum credit score of 640 or lower. 5 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 Florida5 on this list publish FL coverage
- DSCR lenders in Texas5 on this list publish TX coverage
- DSCR lenders in Georgia5 on this list publish GA coverage
- DSCR lenders in Tennessee5 on this list publish TN coverage
- DSCR lenders in North Carolina5 on this list publish NC coverage
- DSCR lenders in Arizona4 on this list publish AZ coverage
- DSCR lenders in California5 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.