Acra Lending vs Newfi Wholesale
What each lender publishes about financing short-term rentals, side by side. Acra Lending: all except ak, nd, sd. Newfi Wholesale: licensed in 49 states/dc.
The short version
- Acra Lending needs 12 months of STR history; Newfi Wholesale accepts STR history or a projection.
- Both publish a 640 minimum credit score.
- Both publish a 75% max purchase LTV.
- Newfi Wholesale has the higher max cash-out LTV (75% vs 70%).
- Acra Lending has the lower minimum loan ($100K vs $125K).
- Only Newfi Wholesale publishes a minimum DSCR (1.00).
- Acra Lending does not publish a policy on first-time investors; Newfi Wholesale allows them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Acra LendingWholesale | Newfi WholesaleWholesale |
|---|---|---|
| STR income method | 12-month history Lender sources · checked Oct 18, 2026 | Either newficorrespondent.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-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 |
| Min credit score | 640 api.acralending.com · checked Oct 19, 2026 | 640 newfiwholesale.com · checked Oct 19, 2026 |
| Min DSCR | Not published | 1.00 newfiwholesale.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes api.acralending.com · checked Oct 19, 2026 | No newfiwholesale.com · checked Oct 19, 2026 |
| No-ratio option | Yes api.acralending.com · checked Oct 19, 2026 | No newfiwholesale.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 75% api.acralending.com · checked Oct 19, 2026 | 75% newfiwholesale.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% api.acralending.com · checked Oct 19, 2026 | 75% newfiwholesale.com · checked Oct 19, 2026 |
| Min loan | $100K api.acralending.com · checked Oct 19, 2026 | $125K newfiwholesale.com · checked Oct 19, 2026 |
| Max loan | $3M api.acralending.com · checked Oct 19, 2026 | $3M newfiwholesale.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 | 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 |
| Reserves | Not published | 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 |
| States served | All except AK, ND, SD 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 |
| First-time investors | Not published | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Wholesale | Wholesale |
| Last verified |
More comparisons
Free · Weekly
- Where the 10-year Treasury moved and what it means for STR loan pricing
- Lender term changes flagged on the lenders' own pages
- A short, plain-English STR financing explainer
No spam, unsubscribe anytime. Form not loading? Subscribe here.
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.