Lender changes, November 2026
Every change we recorded to an STR DSCR lender record in November 2026, with the old value, the new value, the date and the lender's source. Entries are never edited or removed. Full change log · RSS feed.
- Changes
- 6
- Lenders
- 3
- Fields changed
- 4
- Last recorded
- Nov 2, 2026
By lender
| Lender | Changes | Fields |
|---|---|---|
| Uncapco Financial | 4 | Max LTV (cash-out/refi), Max loan, Min DSCR, Prepayment |
| A&D Mortgage | 1 | Max loan |
| Defy Mortgage | 1 | Max loan |
(6 changes)
- A&D MortgageMax loan
- Before
- $3M
- After
- $3.5M
Program page: 'We offer a maximum of $3.5 million!' (was $3 million).
Source: admortgage.com · recorded Nov 2, 2026
- Defy MortgageMax loan
- Before
- $2.5M
- After
- $3M
Wholesale DSCR guide headline now 'Max Loan: $3.0M'. STR terms unchanged.
Source: defytpo.com · recorded Nov 2, 2026
- Uncapco FinancialMax LTV (cash-out/refi)
- Before
- 75%
- After
- 80%
STR page now says up to 80% LTV on purchase, refinance and cash-out (some states 75%), cash-out up to $1M.
Source: uncapco.com · recorded Nov 2, 2026
- Uncapco FinancialMax loan
- Before
- $5M
- After
- $3M
STR page now says $100K–$3M per property; portfolios up to $5M.
Source: uncapco.com · recorded Nov 2, 2026
- Uncapco FinancialMin DSCR
- Before
- 1.00
- After
- 0.80
DSCR page now says 'ratios as low as 0.80 on fixed-rate loans' (was '1.0+ ratio'). General DSCR page; the STR page gives no separate minimum.
Source: uncapco.com · recorded Nov 2, 2026
- Uncapco FinancialPrepayment
- Before
- Not published
- After
- Options from none to a five-year step-down
Prepay terms now published on the STR page.
Source: uncapco.com · recorded Nov 2, 2026
Get an alert when lender terms change
- 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.