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.
- Lowest published min DSCR
- 0.75
- LendingOne · source · Oct 22
- LendSure Mortgage · source · Oct 22
- NQM Funding · source · Oct 22
- +1 more
- Lowest of 13 direct lenders that publish it
- Highest published max purchase LTV
- 85%
- Angel Oak Mortgage Solutions · source · Oct 22
- Griffin Funding · source · Oct 22
- LendSure Mortgage · source · Oct 22
- +1 more
- Highest of 23 direct lenders that publish it
- Accept projected STR income
- 17 lenders
- Of 20 direct lenders that publish how they count STR income. No booking history needed.
| Term | Acra LendingWholesale | Easy Street CapitalDirect lender |
|---|---|---|
| STR income method | 12-month history api.acralending.com · checked Oct 22, 2026 | Either easystreetcap.com · checked Oct 19, 2026 |
| STR income details | 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 | 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 |
| Min credit score | 640 api.acralending.com · checked Oct 22, 2026 | 640 easystreetcap.com · checked Oct 22, 2026 |
| Min DSCR | Not published | Not published |
| DSCR below 1.0 | Yes api.acralending.com · checked Oct 22, 2026 | Yes easystreetcap.com · checked Oct 22, 2026 |
| No-ratio option | Yes api.acralending.com · checked Oct 22, 2026 | Not published |
| Max LTV (purchase) | 75% api.acralending.com · checked Oct 22, 2026 | 80% easystreetcap.com · checked Oct 22, 2026 |
| Max LTV (cash-out/refi) | 70% api.acralending.com · checked Oct 22, 2026 | 75% easystreetcap.com · checked Oct 22, 2026 |
| Min loan | $100K api.acralending.com · checked Oct 22, 2026 | $100K easystreetcap.com · checked Oct 22, 2026 |
| Max loan | $3M api.acralending.com · checked Oct 22, 2026 | $3.5M easystreetcap.com · checked Oct 22, 2026 |
| Prepayment | 1-5 year options (fixed or 5/4/3/2/1 step-down) or no prepay api.acralending.com · checked Oct 22, 2026 | Typically 5/4/3/2/1 step-down easystreetcap.com · checked Oct 22, 2026 |
| Reserves | Not published | 3-9 months PITIA in documented liquid reserves (EasyRent DSCR program) easystreetcap.com · checked Oct 22, 2026 |
| Fees | Not published | Not published |
| States served | All except AK, ND, SD api.acralending.com · checked Oct 22, 2026 | All except ND, SD easystreetcap.com · checked Oct 22, 2026 |
| First-time investors | Not published | Yes easystreetcap.com · checked Oct 22, 2026 |
| Channel | Wholesale | Direct lender |
| Reported ratesUser-reported, reviewed, not lender-published | No reports yetShare your rate | No reports yetShare your rate |
| Last verified |
Data last verified Oct 22, 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.
- Acra Lending vs Easy Street Capital
- Acra Lending vs Griffin Funding
- Acra Lending vs Lima One Capital
- Acra Lending vs Logan Finance
- Acra Lending vs Newfi Wholesale
- Defy Mortgage vs Easy Street Capital
- Defy Mortgage vs Logan Finance
- Defy Mortgage vs New Silver
- Easy Street Capital vs Griffin Funding
- Griffin Funding vs Lima One Capital
- Griffin Funding vs Logan Finance
- Griffin Funding vs Newfi Wholesale
- Lima One Capital vs Logan Finance
- Lima One Capital vs New Silver
- Lima One Capital vs Newfi Wholesale
- Lima One Capital vs Quickline Capital
- Logan Finance vs Newfi Wholesale
- New Silver vs Newfi Wholesale
- New Silver vs Quickline Capital
- Newfi Wholesale vs Quickline Capital
More head-to-head comparisons
Side-by-side pages for other lender pairs investors often weigh against each other.
- 1st Nationwide Mortgage vs Griffin Funding
- 1st Nationwide Mortgage vs Lima One Capital
- 1st Nationwide Mortgage vs Newfi Wholesale
- Acra Lending vs Angel Oak Mortgage Solutions
- Acra Lending vs Certain Lending
- Angel Oak Mortgage Solutions vs Easy Street Capital
- Angel Oak Mortgage Solutions vs Griffin Funding
All lender pages
Every lender we track, with sources and check dates.
- 1st Nationwide Mortgage
- A&D Mortgage
- Acra Lending
- America Mortgages
- Angel Oak Mortgage Solutions
- Certain Lending
- CoreVest Finance
- Defy Mortgage
- Dominion Financial
- Easy Lending USA
- Easy Street Capital
- Griffin Funding
- Kiavi
- LendingOne
- Lendmire
- LendSure Mortgage
- Lima One Capital
- Logan Finance
- New Silver
- Newfi Wholesale
- NQM Funding
- Quickline Capital
- The Mortgage Shop
- theLender
- Truss Financial Group
- Uncapco Financial
- Visio Lending
No lender matches that name. See the full table.
Free · Lender change alerts
- 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.