STR DSCR lenders that allow a DSCR below 1.0 or a no-ratio loan
14 of the 25 direct lenders we track publish that they allow a DSCR below 1.0, offer a no-ratio option, or both. 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
- 14
- Publish, but don't qualify
- 4
- Not published
- 7
- Checked
- Oct 19, 2026
Lenders
| Lender | DSCR below 1.0 | No-ratio option | Min DSCR | Min credit score | Verified |
|---|---|---|---|---|---|
| LendSure MortgageWholesale | Yeslender sources · Oct 18, 2026 | Yeslender sources · Oct 18, 2026 | 0.75source · Oct 19, 2026 | 660source · Oct 19, 2026 | |
| Defy MortgageDirect lender | Yeslender sources · Oct 18, 2026 | Not published | 0.75source · Oct 19, 2026 | 640source · Oct 19, 2026 | |
| LendingOneDirect lender | Yeslender sources · Oct 18, 2026 | Not published | 0.75source · Oct 19, 2026 | Not published | |
| Quickline CapitalLender | Yeslender sources · Oct 18, 2026 | Not published | 0.75source · Oct 19, 2026 | 660source · Oct 19, 2026 | |
| KiaviDirect lender | Yeslender sources · Oct 18, 2026 | Not published | 0.80source · Oct 19, 2026 | Not published | |
| LendmireMortgage brokerage | Yessource · Oct 19, 2026 | Yessource · Oct 19, 2026 | 1.00source · Oct 19, 2026 | 620source · Oct 19, 2026 | |
| 1st Nationwide MortgageMortgage company | Yessource · Oct 19, 2026 | Not published | 1.00source · Oct 19, 2026 | 640source · Oct 19, 2026 | |
| A&D MortgageWholesale / correspondent | Yeslender sources · Oct 18, 2026 | Yessource · Oct 19, 2026 | Not published | 620source · Oct 19, 2026 | |
| Acra LendingWholesale | Yessource · Oct 19, 2026 | Yessource · Oct 19, 2026 | Not published | 640source · Oct 19, 2026 | |
| America MortgagesDirect lender and broker (150+ lenders) | Yessource · Oct 19, 2026 | Yessource · Oct 19, 2026 | Not published | Not published | |
| Angel Oak Mortgage SolutionsWholesale (via approved mortgage professionals) | Yeslender sources · Oct 18, 2026 | Yeslender sources · Oct 18, 2026 | Not published | 680source · Oct 19, 2026 | |
| Griffin FundingDirect lender (consumer-direct) | Yeslender sources · Oct 18, 2026 | Yeslender sources · Oct 18, 2026 | Not published | 620source · Oct 19, 2026 | |
| Easy Street CapitalDirect lender | Yessource · Oct 19, 2026 | Not published | Not published | 640source · Oct 19, 2026 | |
| theLenderDirect and broker | Yeslender sources · Oct 18, 2026 | Not published | Not published | Not published |
A lender is listed only if its own pages publish that they allow a DSCR below 1.0, offer a no-ratio option, or both. 7 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 Florida9 on this list publish FL coverage
- DSCR lenders in Texas9 on this list publish TX coverage
- DSCR lenders in Georgia9 on this list publish GA coverage
- DSCR lenders in Tennessee9 on this list publish TN coverage
- DSCR lenders in North Carolina9 on this list publish NC coverage
- DSCR lenders in Arizona8 on this list publish AZ coverage
- DSCR lenders in California9 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.