1st Nationwide Mortgage vs Quickline Capital
What each lender publishes about financing short-term rentals, side by side. 1st Nationwide Mortgage: 42 states/dc listed. Quickline Capital: all 50 states.
The short version
- 1st Nationwide Mortgage accepts STR history or a projection; Quickline Capital qualifies STR income on a projection.
- 1st Nationwide Mortgage has the lower minimum credit score (640 vs 660).
- Both publish a 80% max purchase LTV.
- Both publish a 75% max cash-out LTV.
- Both publish a $100K minimum loan.
- Quickline Capital has the lower minimum DSCR (0.75 vs 1.00).
- 1st Nationwide Mortgage does not publish a policy on first-time investors; Quickline Capital allows them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | 1st Nationwide MortgageMortgage company | Quickline CapitalLender |
|---|---|---|
| STR income method | Either Lender sources · checked Oct 18, 2026 | Projection Lender sources · checked Oct 18, 2026 |
| STR income details | 12 months of actual Airbnb/VRBO/PMS income is standard; under 12 months can combine partial actuals with an AirDNA projection. See lender sources | Uses AirDNA Rentalizer projections to qualify properties not yet operating as STRs. See lender sources |
| Min credit score | 640 1stnwm.com · checked Oct 19, 2026 | 660 quicklinecapital.com · checked Oct 19, 2026 |
| Min DSCR | 1.00 1stnwm.com · checked Oct 19, 2026 | 0.75 quicklinecapital.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes 1stnwm.com · checked Oct 19, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| No-ratio option | Not published | Not published |
| Max LTV (purchase) | 80% 1stnwm.com · checked Oct 19, 2026 | 80% quicklinecapital.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 75% 1stnwm.com · checked Oct 19, 2026 | 75% quicklinecapital.com · checked Oct 19, 2026 |
| Min loan | $100K 1stnwm.com · checked Oct 19, 2026 | $100K quicklinecapital.com · checked Oct 19, 2026 |
| Max loan | $1.5M 1stnwm.com · checked Oct 19, 2026 | $2M quicklinecapital.com · checked Oct 19, 2026 |
| Prepayment | Not published | Not published |
| States served | 42 states/DC listed DSCR footprint: 41 states + DC. Its STR page says it does STR DSCR in most states where it originates DSCR, so confirm for your state. 1stnwm.com · checked Oct 19, 2026 | All 50 states Quickline's own pages disagree: the STR page says all 50 states, the home page says 45 states and the DSCR rental page says 43 states. None lists which states. Confirm for your state. Lender sources · checked Oct 18, 2026 |
| First-time investors | Not published | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Mortgage company | Lender |
| Last verified |
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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.