STR DSCR lenders that publish a no-prepayment-penalty option
5 of the 25 direct lenders we track publish a no-prepayment-penalty option or a penalty period that can be zero years (not just a penalty that ends after a set year). 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
- 5
- Publish, but don't qualify
- 10
- Not published
- 10
- Checked
- Oct 22, 2026
Lenders
| Lender | Prepayment | STR income | Min credit score | Max LTV buy | Verified |
|---|---|---|---|---|---|
| Acra LendingWholesale | 1-5 year options (fixed or 5/4/3/2/1 step-down) or no prepaysource · Oct 22, 2026 | 12-month historysource · Oct 22, 2026 | 640source · Oct 22, 2026 | 75%source · Oct 22, 2026 | |
| Dominion FinancialDirect lender | No-prepay (select loans), 3-2-1 or 5-year step-down optionssource · Oct 22, 2026 | Not published | 680source · Oct 22, 2026 | 80%source · Oct 22, 2026 | |
| Griffin FundingDirect lender (consumer-direct) | 0-5 year terms; common structure is a 5-year step-down (5/4/3/2/1); can be bought out at closingsource · Oct 22, 2026 | Eithersource · Oct 22, 2026 | 620source · Oct 22, 2026 | 85%source · Oct 22, 2026 | |
| LendingOneDirect lender | 0-5 year penalty periods, depending on structuresource · Oct 22, 2026 | Not published | Not published | 80%source · Oct 22, 2026 | |
| Lima One CapitalDirect lender | Flexible; a low or no prepayment penalty option is available for a higher fee and/or ratesource · Oct 22, 2026 | Projectionsource · Oct 22, 2026 | 660source · Oct 22, 2026 | 75%source · Oct 22, 2026 |
A lender is listed only if its own pages publish a no-prepayment-penalty option or a penalty period that can be zero years (not just a penalty that ends after a set year). 10 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.
No penalty is rarely free: Lima One says its low or no prepayment penalty option costs a higher fee and/or rate, and Dominion says its 5-4-3-2-1 option carries its most favorable rates for long-term holds (hover "source" for each quote). Compare the payoff cost by year in the prepayment penalty calculator.
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 Arizona5 on this list publish AZ coverage
- DSCR lenders in California5 on this list publish CA coverage
- When a lender we track changes a published term (credit score, LTV, DSCR, STR income rules, states), we email you
- Old value, new value and a link to the lender's own page
- No set schedule: we email when there's a change to report. Every change is also on the change log
Free download: the STR DSCR lender cheat sheet (PDF), every direct lender on one printable page. Web version
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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.