Acra Lending vs Logan Finance
What each lender publishes about financing short-term rentals, side by side. Acra Lending: all except ak, nd, sd. Logan Finance: not itemized.
The short version
- Both need 12 months of STR history.
- 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).
- Only Logan Finance publishes a minimum DSCR (1.00).
- Acra Lending does not publish a policy on first-time investors; Logan Finance does not allow them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Acra LendingWholesale | Logan FinanceWholesale / correspondent |
|---|---|---|
| STR income method | 12-month history Lender sources · checked Oct 18, 2026 | 12-month history loganfinance.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: 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 |
| Min credit score | 640 api.acralending.com · checked Oct 19, 2026 | 700 loganfinance.com · checked Oct 19, 2026 |
| Min DSCR | Not published | 1.00 loganfinance.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes api.acralending.com · checked Oct 19, 2026 | No loganfinance.com · checked Oct 19, 2026 |
| No-ratio option | Yes api.acralending.com · checked Oct 19, 2026 | No loganfinance.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 75% api.acralending.com · checked Oct 19, 2026 | 75% loganfinance.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% api.acralending.com · checked Oct 19, 2026 | 70% loganfinance.com · checked Oct 19, 2026 |
| Min loan | $100K api.acralending.com · checked Oct 19, 2026 | $150K loganfinance.com · checked Oct 19, 2026 |
| Max loan | $3M api.acralending.com · checked Oct 19, 2026 | $1.5M loganfinance.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 | Required; 1-5 year options loganfinance.com · checked Oct 19, 2026 |
| States served | All except AK, ND, SD Lender sources · checked Oct 18, 2026 | Not published |
| First-time investors | Not published | No loganfinance.com · checked Oct 19, 2026 |
| Channel | Wholesale | Wholesale / correspondent |
| 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.