Compare STR lenders side by side

Pick two or three lenders. Each figure comes from the lender's own pages and links to its source and the date we checked it. "Not published" means we didn't find the figure. It doesn't mean the lender has no policy.

Lender 1 Lender 2 Lender 3 (optional)

Lender terms side by side. "Not published" means the lender does not publish that figure on the pages we checked.
Term	1st Nationwide MortgageMortgage company	A&D MortgageWholesale / correspondent	Acra LendingWholesale	America MortgagesDirect lender and broker (150+ lenders)	Angel Oak Mortgage SolutionsWholesale (via approved mortgage professionals)	Certain LendingDirect lender	CoreVest FinanceDirect lender	Defy MortgageDirect lender	Dominion FinancialDirect lender	Easy Lending USAReferral source to lending partners	Easy Street CapitalDirect lender	Griffin FundingDirect lender (consumer-direct)	KiaviDirect lender	LendingOneDirect lender	LendmireMortgage brokerage	LendSure MortgageWholesale	Lima One CapitalDirect lender	Logan FinanceWholesale / correspondent	New SilverDirect lender	Newfi WholesaleWholesale	NQM FundingWholesale	Quickline CapitalLender	The Mortgage ShopMortgage broker (referral source)	theLenderDirect and broker	Truss Financial GroupLender/broker	Uncapco FinancialLender	Visio LendingDirect lender
STR income method	Either Lender sources · checked Oct 18, 2026	Either admortgage.com · checked Oct 19, 2026	12-month history Lender sources · checked Oct 18, 2026	Either Lender sources · checked Oct 18, 2026	Projection Lender sources · checked Oct 18, 2026	Either Lender sources · checked Oct 18, 2026	Not published	Either defytpo.com · checked Oct 19, 2026	Not published	Either Lender sources · checked Oct 18, 2026	Either easystreetcap.com · checked Oct 19, 2026	Either griffinfunding.com · checked Oct 19, 2026	Not published	Not published	Either Lender sources · checked Oct 18, 2026	Either lendsure.com · checked Oct 19, 2026	Projection Lender sources · checked Oct 18, 2026	12-month history loganfinance.com · checked Oct 19, 2026	Either Lender sources · checked Oct 18, 2026	Either newficorrespondent.com · checked Oct 19, 2026	12-month history nqmf.com · checked Oct 19, 2026	Projection Lender sources · checked Oct 18, 2026	Not published	Projection Lender sources · checked Oct 18, 2026	Not published	Either Lender sources · checked Oct 18, 2026	Either 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	12-month history: 12-month average from STR statements/agreement (or 1007 showing STR), at 75%. Projection: Only when no actual STR income: 75% of AirDNA Rentalizer (occupancy ≥ 60%) or 75% of a 1007 with STR comps. STR max LTV 80%. admortgage.com · checked Oct 19, 2026	STR allowed case-by-case. Refinances need 12-month rental-agency ledgers; purchases use the appraiser's market rent under standard DSCR rules. See lender sources	AM Premier+ counts STR income; documentation is typically a market-rent appraisal or documented platform income history, varying by lender. See lender sources	DSCR program lists an automated AirDNA short-term rental report as a feature. See lender sources	DSCR calculated using 12 months of operating history or AirDNA rents as market rent. See lender sources	Short-Term Rental Loan for portfolios; approval based on rental income. Method not detailed. See lender sources	12-month history: 12-month operating history accepted; factor not published. Projection: Purchase: AirDNA, 80% of annual revenue ÷ 12; operator experience in the last 12 months required. STR min DSCR 1.15. STR max LTV 75%. defytpo.com · checked Oct 19, 2026	FAQ: 'Do you lend on short term rentals? Yes, we do.' Method not detailed. See lender sources	12-month STR history or appraisal short-term rent projection; no history needed for purchases or conversions. See lender sources	12-month history: 12+ months of history: trailing-12 actual revenue. Projection: Professional STR investors: 100% of AirDNA. Others: AirDNA less 25% (2023 tear sheet; current page says AirDNA only 'in certain cases', otherwise appraiser market rent). easystreetcap.com · checked Oct 19, 2026	12-month history: 12 months Airbnb/Vrbo history; 80% where a 20% expense factor applies, 100% on other programs. Projection: Purchase: AirDNA and/or appraiser STR analysis (often the lower of the two); 80% or 100% by program. griffinfunding.com · checked Oct 19, 2026	State page lists short-term rentals (Airbnb, vacation) as a DSCR use case. DSCR page: qualifying rent is the lower of 110% of appraised market rent and valid lease rent. STR-specific income method not published. See lender sources	DSCR loans 'may be available' for short-term vacation rentals; underwriting may review market rent, historical income and occupancy trends. See lender sources	12 months of rental history or a market data report (AirDNA Rentalizer-style projection). See lender sources	12-month history: 12-month Airbnb/VRBO earnings summary at 80%. Projection: AirDNA report at 80%. lendsure.com · checked Oct 19, 2026	Dedicated STR loan underwritten using AirDNA and other STR market data. See lender sources	12-month history: Refi: lower of appraisal market rent or 12-month STR history (third-party manager verified); no % factor published. Projection: Purchase: appraisal market rent (long-term), not STR projections. STR max LTV 75%. loganfinance.com · checked Oct 19, 2026	Market rent addendum and/or STR valuation such as AirDNA on new purchases; refinances require rental history (12 months to count as occupied). See lender sources	12-month history: 12-month lookback, 80% of gross receipts. Projection: Purchases: 1007 STR, AirDNA Rentalizer (score/occupancy minimums) or rental data, at 80%; experienced investors only. STR min DSCR above 1.00. STR max LTV 75%. newficorrespondent.com · checked Oct 19, 2026	12-month history: 12–24 months via property manager or Airbnb/VRBO records; factor not published. Projection: not accepted (AirDNA data is not accepted). STR min DSCR 1.15. nqmf.com · checked Oct 19, 2026	Uses AirDNA Rentalizer projections to qualify properties not yet operating as STRs. See lender sources	Not published	STR investor loans qualify on rent potential and property cash flow using property-level data and rental analysis. See lender sources	DSCR page says DSCR loans work for short-term rentals and Airbnb properties and notes most lenders require a higher DSCR (1.5+) for them. See lender sources	Uses AirDNA data, platform history, market comps or projected bookings; new STRs can qualify on AirDNA. See lender sources	Evaluates STRs using historical short-term rental income or market-based projections. See lender sources
Min credit score	640 1stnwm.com · checked Oct 19, 2026	620 admortgage.com · checked Oct 19, 2026	640 api.acralending.com · checked Oct 19, 2026	Not published	680 angeloakms.com · checked Oct 19, 2026	700 certainlending.com · checked Oct 19, 2026	Not published	720 defytpo.com · checked Oct 19, 2026	680 dominionfinancial.com · checked Oct 19, 2026	680 easylendingusa.com · checked Oct 19, 2026	640 easystreetcap.com · checked Oct 19, 2026	620 griffinfunding.com · checked Oct 19, 2026	Not published	Not published	620 lendmire.com · checked Oct 19, 2026	660 lendsure.com · checked Oct 19, 2026	700 limaone.com · checked Oct 19, 2026	700 loganfinance.com · checked Oct 19, 2026	660 newsilver.com · checked Oct 19, 2026	640 newfiwholesale.com · checked Oct 19, 2026	660 nqmf.com · checked Oct 19, 2026	660 quicklinecapital.com · checked Oct 19, 2026	680 mortgage.shop · checked Oct 19, 2026	Not published	650 trussfinancialgroup.com · checked Oct 19, 2026	660 uncapco.com · checked Oct 19, 2026	680 visiolending.com · checked Oct 19, 2026
Min DSCR	1.00 1stnwm.com · checked Oct 19, 2026	Not published	Not published	Not published	Not published	Not published	Not published	1.15 defytpo.com · checked Oct 19, 2026	Not published	1.00 easylendingusa.com · checked Oct 19, 2026	Not published	Not published	0.80 kiavi.com · checked Oct 19, 2026	0.75 lendingone.com · checked Oct 19, 2026	1.00 lendmire.com · checked Oct 19, 2026	0.75 lendsure.com · checked Oct 19, 2026	1.30 limaone.com · checked Oct 19, 2026	1.00 loganfinance.com · checked Oct 19, 2026	1.15 help.newsilver.com · checked Oct 19, 2026	1.00 newfiwholesale.com · checked Oct 19, 2026	Not published	0.75 quicklinecapital.com · checked Oct 19, 2026	1.00 mortgage.shop · checked Oct 19, 2026	Not published	Not published	Not published	Not published
DSCR below 1.0	Yes 1stnwm.com · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	Yes api.acralending.com · checked Oct 19, 2026	Yes americamortgages.com · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	Not published	Not published	No defytpo.com · checked Oct 19, 2026	Not published	No Lender sources · checked Oct 18, 2026	Yes easystreetcap.com · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	Yes Lender sources · checked Oct 18, 2026	Yes Lender sources · checked Oct 18, 2026	Yes lendmire.com · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	No Lender sources · checked Oct 18, 2026	No loganfinance.com · checked Oct 19, 2026	No Lender sources · checked Oct 18, 2026	No newfiwholesale.com · checked Oct 19, 2026	Not published	Yes Lender sources · checked Oct 18, 2026	Yes mortgage.shop · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	Not published	Not published	Not published
No-ratio option	Not published	Yes admortgage.com · checked Oct 19, 2026	Yes api.acralending.com · checked Oct 19, 2026	Yes americamortgages.com · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	Not published	Not published	Not published	Not published	No easylendingusa.com · checked Oct 19, 2026	Not published	Yes Lender sources · checked Oct 18, 2026	Not published	Not published	Yes lendmire.com · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	No limaone.com · checked Oct 19, 2026	No loganfinance.com · checked Oct 19, 2026	No help.newsilver.com · checked Oct 19, 2026	No newfiwholesale.com · checked Oct 19, 2026	Not published	Not published	Yes mortgage.shop · checked Oct 19, 2026	Not published	Not published	Not published	Not published
Max LTV (purchase)	80% 1stnwm.com · checked Oct 19, 2026	80% admortgage.com · checked Oct 19, 2026	75% api.acralending.com · checked Oct 19, 2026	80% americamortgages.com · checked Oct 19, 2026	85% angeloakms.com · checked Oct 19, 2026	75% certainlending.com · checked Oct 19, 2026	70% corevestfinance.com · checked Oct 19, 2026	75% defytpo.com · checked Oct 19, 2026	80% dominionfinancial.com · checked Oct 19, 2026	85% easylendingusa.com · checked Oct 19, 2026	80% easystreetcap.com · checked Oct 19, 2026	85% Lender sources · checked Oct 18, 2026	80% kiavi.com · checked Oct 19, 2026	80% lendingone.com · checked Oct 19, 2026	75% lendmire.com · checked Oct 19, 2026	85% lendsure.com · checked Oct 19, 2026	75% limaone.com · checked Oct 19, 2026	75% loganfinance.com · checked Oct 19, 2026	80% newsilver.com · checked Oct 19, 2026	75% newfiwholesale.com · checked Oct 19, 2026	Not published	80% quicklinecapital.com · checked Oct 19, 2026	80% mortgage.shop · checked Oct 19, 2026	85% Lender sources · checked Oct 18, 2026	Not published	80% uncapco.com · checked Oct 19, 2026	80% visiolending.com · checked Oct 19, 2026
Max LTV (cash-out/refi)	75% 1stnwm.com · checked Oct 19, 2026	Not published	70% api.acralending.com · checked Oct 19, 2026	75% americamortgages.com · checked Oct 19, 2026	Not published	70% certainlending.com · checked Oct 19, 2026	Not published	75% defytpo.com · checked Oct 19, 2026	75% dominionfinancial.com · checked Oct 19, 2026	75% easylendingusa.com · checked Oct 19, 2026	75% easystreetcap.com · checked Oct 19, 2026	80% griffinfunding.com · checked Oct 19, 2026	Not published	75% lendingone.com · checked Oct 19, 2026	75% lendmire.com · checked Oct 19, 2026	75% lendsure.com · checked Oct 19, 2026	70% limaone.com · checked Oct 19, 2026	70% loganfinance.com · checked Oct 19, 2026	Not published	75% newfiwholesale.com · checked Oct 19, 2026	Not published	75% quicklinecapital.com · checked Oct 19, 2026	Not published	75% Lender sources · checked Oct 18, 2026	Not published	75% uncapco.com · checked Oct 19, 2026	Not published
Min loan	$100K 1stnwm.com · checked Oct 19, 2026	Not published	$100K api.acralending.com · checked Oct 19, 2026	$100K americamortgages.com · checked Oct 19, 2026	$100K angeloakms.com · checked Oct 19, 2026	$150K certainlending.com · checked Oct 19, 2026	$500K corevestfinance.com · checked Oct 19, 2026	$75K defymortgage.com · checked Oct 19, 2026	Not published	$100K easylendingusa.com · checked Oct 19, 2026	$100K easystreetcap.com · checked Oct 19, 2026	$100K griffinfunding.com · checked Oct 19, 2026	Not published	$85K lendingone.com · checked Oct 19, 2026	Not published	Not published	$75K limaone.com · checked Oct 19, 2026	$150K loganfinance.com · checked Oct 19, 2026	$150K help.newsilver.com · checked Oct 19, 2026	$125K newfiwholesale.com · checked Oct 19, 2026	$75K nqmf.com · checked Oct 19, 2026	$100K quicklinecapital.com · checked Oct 19, 2026	Not published	$100K Lender sources · checked Oct 18, 2026	$100K Lender sources · checked Oct 18, 2026	$100K uncapco.com · checked Oct 19, 2026	$75K visiolending.com · checked Oct 19, 2026
Max loan	$1.5M 1stnwm.com · checked Oct 19, 2026	$3M admortgage.com · checked Oct 19, 2026	$3M api.acralending.com · checked Oct 19, 2026	$3M americamortgages.com · checked Oct 19, 2026	$3M angeloakms.com · checked Oct 19, 2026	$1.5M certainlending.com · checked Oct 19, 2026	Not published	$2.5M defytpo.com · checked Oct 19, 2026	Not published	$2M easylendingusa.com · checked Oct 19, 2026	$3.5M easystreetcap.com · checked Oct 19, 2026	$4.5M griffinfunding.com · checked Oct 19, 2026	Not published	$2M lendingone.com · checked Oct 19, 2026	Not published	$3M lendsure.com · checked Oct 19, 2026	$2.5M limaone.com · checked Oct 19, 2026	$1.5M loganfinance.com · checked Oct 19, 2026	$3M newsilver.com · checked Oct 19, 2026	$3M newfiwholesale.com · checked Oct 19, 2026	$3M nqmf.com · checked Oct 19, 2026	$2M quicklinecapital.com · checked Oct 19, 2026	Not published	$3.5M Lender sources · checked Oct 18, 2026	$30M trussfinancialgroup.com · checked Oct 19, 2026	$5M uncapco.com · checked Oct 19, 2026	Not published
Prepayment	Not published	Up to 5 years Lender sources · checked Oct 18, 2026	1-5 year options (fixed or 5/4/3/2/1 step-down) or no prepay api.acralending.com · checked Oct 19, 2026	Not published	Not published	Not published	Not published	Standard 5-year step-down (5/4/3/2/1); flat 5% also available defymortgage.com · checked Oct 19, 2026	No-prepay (select loans), 3-2-1 or 5-year step-down options Lender sources · checked Oct 18, 2026	0 to 5 years (5, 3, 1-year or none) Lender sources · checked Oct 18, 2026	Typically 5/4/3/2/1 step-down Lender sources · checked Oct 18, 2026	0-5 year terms; common structure is a 5-year step-down (5/4/3/2/1); can be bought out at closing griffinfunding.com · checked Oct 19, 2026	No prepayment penalty after year 3 kiavi.com · checked Oct 19, 2026	0-5 year penalty periods, depending on structure lendingone.com · checked Oct 19, 2026	Not published	Not published	Flexible; a low or no prepayment penalty option is available for a higher fee and/or rate limaone.com · checked Oct 19, 2026	Required; 1-5 year options loganfinance.com · checked Oct 19, 2026	Not published	1-5 years: 6 months' interest, fixed 5%, or 5/4/3/2/1 step-down; not allowed in AK, DC, IL, MD, MI, MS, NM, RI, VT newfiwholesale.com · checked Oct 19, 2026	Required (investment properties); term not published nqmf.com · checked Oct 19, 2026	Not published	Not published	Up to 5 years, subject to state restrictions retail.thelender.com · checked Oct 19, 2026	Not published	Not published	5/4/3/2/1 step-down described Lender sources · checked Oct 18, 2026
Reserves	Not published	Not published	Not published	Not published	Not published	Not published	Not published	3 months PITIA up to $1M; 6 months above $1M, below 1.00 DSCR, interest-only or foreign nationals defytpo.com · checked Oct 19, 2026	Not published	Not published	Not published	Not published	Not published	Not published	Not published	Not published	Not published	Not published	6 months PITIA/ITIA (STR program); +6 months if loan > $2M help.newsilver.com · checked Oct 19, 2026	3 months PITI up to $1.5M; 6 months above $1.5M; 9 months above $2M; novice investors 6 months; STR under 60% occupancy needs 9 months; loan proceeds may count newfiwholesale.com · checked Oct 19, 2026	Not published	Not published	Not published	Not published	Not published	Not published	6 months of mortgage payments; for purchases and no cash-out refis, cash to close is on top of reserves; cash-out proceeds can count visiolending.com · checked Oct 19, 2026
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	Licensed in 50 states/DC Licensing page lists 49 states + DC (not Hawaii). DSCR footprint is not itemized separately. admortgage.com · checked Oct 19, 2026	All except AK, ND, SD Lender sources · checked Oct 18, 2026	All except IA, NV, NC, UT, VA The DSCR page no longer says all 50 states. It publishes one state list: AM Rental Coverage+ in all 50 states except Iowa, Nevada, North Carolina, Utah and Virginia; other programs depend on the lender. DC is not addressed. americamortgages.com · checked Oct 19, 2026	Licensed in 47 states/DC Licensing page lists 46 states + DC; site says it is not authorized in New York. DSCR footprint is not itemized separately. angeloakms.com · checked Oct 19, 2026	All except HI, ND, NV, SD, UT, WV Does not lend in HI, ND, NV, SD, UT or WV. DC is not addressed. certainlending.com · checked Oct 19, 2026	47 states/DC listed Does not lend in NV, ND or SD. Vermont only for loans over $1,000,000. DC is not listed. corevestfinance.com · checked Oct 19, 2026	All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT Lender sources · checked Oct 18, 2026	All except NV Licensed or exempt from licensing in all states except Nevada. Lender sources · checked Oct 18, 2026	40 states/DC listed From its 'States served' disclosure (39 states + DC). easylendingusa.com · checked Oct 19, 2026	All except ND, SD Lender sources · checked Oct 18, 2026	All 50 states + DC Lender sources · checked Oct 18, 2026	All except UT Company-wide lending footprint (all products): 49 states + DC, not Utah. kiavi.com · checked Oct 19, 2026	All except AK, NV, ND, SD Does not lend in AK, NV, ND or SD. DC is not addressed. lendingone.com · checked Oct 19, 2026	Not published Says it works across 40 states and DC.	Licensed in 50 states/DC Licensing page lists 49 states + DC; New York authorization is pending. DSCR footprint is not itemized separately. lendsure.com · checked Oct 19, 2026	All except AK, ND, SD, VT Does not lend in AK, ND, SD or VT; 46 states + DC. limaone.com · checked Oct 19, 2026	Not published	42 states/DC listed From the areaServed list in the DSCR page's structured data. Lender sources · checked Oct 18, 2026	Licensed in 49 states/DC Licensing page (Nexera Holding LLC dba Newfi) lists 48 states + DC; site is not approved for use in New York. DSCR footprint is not itemized separately. newfi.com · checked Oct 19, 2026	Licensed in 49 states/DC Licensing page lists 48 states + DC (not HI or NY). DSCR footprint is not itemized separately. nqmf.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	Not published Its DSCR page says nationwide availability; its home page shows a licensed-states map that does not list states as text. Confirm for your state.	Licensed in 50 states/DC Licensing page lists 49 states + DC (not New York). DSCR footprint is not itemized separately. wholesale.thelender.com · checked Oct 19, 2026	Not published	Not published	42 states/DC listed From the highlighted states on Visio's 'Where We Lend' map (not highlighted: AK, MN, NE, NV, ND, OR, SD, UT, VT). Visio's Michigan page says it does not finance Detroit or Flint. visiolending.com · checked Oct 19, 2026
First-time investors	Not published	Yes Lender sources · checked Oct 18, 2026	Not published	Yes americamortgages.com · checked Oct 19, 2026	Not published	Not published	No Lender sources · checked Oct 18, 2026	No defytpo.com · checked Oct 19, 2026	Not published	Not published	Yes Lender sources · checked Oct 18, 2026	Yes griffinfunding.com · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	Not published	Not published	Not published	Not published	No loganfinance.com · checked Oct 19, 2026	Yes Lender sources · checked Oct 18, 2026	Yes Lender sources · checked Oct 18, 2026	Yes Lender sources · checked Oct 18, 2026	Yes Lender sources · checked Oct 18, 2026	Not published	Not published	Not published	Not published	Not published
Channel	Mortgage company	Wholesale / correspondent	Wholesale	Direct lender and broker (150+ lenders)	Wholesale (via approved mortgage professionals)	Direct lender	Direct lender	Direct lender	Direct lender	Referral source to lending partners	Direct lender	Direct lender (consumer-direct)	Direct lender	Direct lender	Mortgage brokerage	Wholesale	Direct lender	Wholesale / correspondent	Direct lender	Wholesale	Wholesale	Lender	Mortgage broker (referral source)	Direct and broker	Lender/broker	Lender	Direct lender
Last verified	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 18	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19	Oct 19

Data last verified Oct 19, 2026. LTVs and loan sizes are the lender's published maximums and minimums, which usually need top credit. Confirm every figure with the lender.

Popular comparisons

Lenders with the most published terms

Pairs where both lenders publish at least 10 of the 12 core terms we track.

More head-to-head comparisons

Side-by-side pages for other lender pairs investors often weigh against each other.

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.