Acra Lending vs Certain Lending
What each lender publishes about financing short-term rentals, side by side. Acra Lending: all except ak, nd, sd. Certain Lending: all except hi, nd, nv, sd, ut, wv.
The short version
- Acra Lending needs 12 months of STR history; Certain Lending accepts STR history or a projection.
- Acra Lending has the lower minimum credit score (640 vs 700).
- Both publish a 75% max purchase LTV.
- Both publish a 70% max cash-out LTV.
- Acra Lending has the lower minimum loan ($100K vs $150K).
- Neither publishes a minimum DSCR.
- Acra Lending does not publish a policy on first-time investors; Certain Lending does not publish a policy on them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Acra LendingWholesale | Certain LendingDirect lender |
|---|---|---|
| STR income method | 12-month history Lender sources · checked Oct 18, 2026 | Either Lender sources · checked Oct 18, 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 | DSCR calculated using 12 months of operating history or AirDNA rents as market rent. See lender sources |
| Min credit score | 640 api.acralending.com · checked Oct 19, 2026 | 700 certainlending.com · checked Oct 19, 2026 |
| Min DSCR | Not published | Not published |
| DSCR below 1.0 | Yes api.acralending.com · checked Oct 19, 2026 | Not published |
| No-ratio option | Yes api.acralending.com · checked Oct 19, 2026 | Not published |
| Max LTV (purchase) | 75% api.acralending.com · checked Oct 19, 2026 | 75% certainlending.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% api.acralending.com · checked Oct 19, 2026 | 70% certainlending.com · checked Oct 19, 2026 |
| Min loan | $100K api.acralending.com · checked Oct 19, 2026 | $150K certainlending.com · checked Oct 19, 2026 |
| Max loan | $3M api.acralending.com · checked Oct 19, 2026 | $1.5M certainlending.com · checked Oct 19, 2026 |
| Prepayment | 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 |
| States served | All except AK, ND, SD Lender sources · checked Oct 18, 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 |
| First-time investors | Not published | Not published |
| Channel | Wholesale | Direct 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.