LendSure Mortgage vs Newfi Wholesale
What each lender publishes about financing short-term rentals, side by side. LendSure Mortgage: licensed in 50 states/dc. Newfi Wholesale: licensed in 49 states/dc.
The short version
- Both accept STR history or a projection.
- Newfi Wholesale has the lower minimum credit score (640 vs 660).
- LendSure Mortgage has the higher max purchase LTV (85% vs 80%).
- Newfi Wholesale has the higher max cash-out LTV (80% vs 75%).
- Neither publishes a minimum loan.
- LendSure Mortgage has the lower minimum DSCR (0.75 vs 1.00).
- LendSure Mortgage 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 | LendSure MortgageWholesale | Newfi WholesaleWholesale |
|---|---|---|
| STR income method | Either lendsure.com · checked Oct 19, 2026 | Either newficorrespondent.com · checked Oct 19, 2026 |
| STR income details | 12-month history: 12-month Airbnb/VRBO earnings summary at 80%. Projection: AirDNA report at 80%. lendsure.com · checked Oct 19, 2026 | 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 | 660 lendsure.com · checked Oct 19, 2026 | 640 newfiwholesale.com · checked Oct 19, 2026 |
| Min DSCR | 0.75 lendsure.com · checked Oct 19, 2026 | 1.00 newfiwholesale.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes Lender sources · checked Oct 18, 2026 | No newfiwholesale.com · checked Oct 19, 2026 |
| No-ratio option | Yes Lender sources · checked Oct 18, 2026 | No newfiwholesale.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 85% lendsure.com · checked Oct 19, 2026 | 80% newfiwholesale.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 75% lendsure.com · checked Oct 19, 2026 | 80% newfiwholesale.com · checked Oct 19, 2026 |
| Min loan | Not published | Not published |
| Max loan | $3M lendsure.com · checked Oct 19, 2026 | $3M newfiwholesale.com · checked Oct 19, 2026 |
| Prepayment | Not published | Not published |
| States served | 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 | 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 |
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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.