Newfi Wholesale vs Quickline Capital
What each lender publishes about financing short-term rentals, side by side. Newfi Wholesale: licensed in 49 states/dc. Quickline Capital: all 50 states.
The short version
- Newfi Wholesale accepts STR history or a projection; Quickline Capital qualifies STR income on a projection.
- Newfi Wholesale has the lower minimum credit score (640 vs 660).
- Quickline Capital has the higher max purchase LTV (80% vs 75%).
- Both publish a 75% max cash-out LTV.
- Quickline Capital has the lower minimum loan ($100K vs $125K).
- Quickline Capital has the lower minimum DSCR (0.75 vs 1.00).
- Newfi Wholesale allows first-time investors; Quickline Capital allows them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Newfi WholesaleWholesale | Quickline CapitalLender |
|---|---|---|
| STR income method | Either newficorrespondent.com · checked Oct 19, 2026 | Projection Lender sources · checked Oct 18, 2026 |
| STR income details | 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 | Uses AirDNA Rentalizer projections to qualify properties not yet operating as STRs. See lender sources |
| Min credit score | 640 newfiwholesale.com · checked Oct 19, 2026 | 660 quicklinecapital.com · checked Oct 19, 2026 |
| Min DSCR | 1.00 newfiwholesale.com · checked Oct 19, 2026 | 0.75 quicklinecapital.com · checked Oct 19, 2026 |
| DSCR below 1.0 | No newfiwholesale.com · checked Oct 19, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| No-ratio option | No newfiwholesale.com · checked Oct 19, 2026 | Not published |
| Max LTV (purchase) | 75% newfiwholesale.com · checked Oct 19, 2026 | 80% quicklinecapital.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 75% newfiwholesale.com · checked Oct 19, 2026 | 75% quicklinecapital.com · checked Oct 19, 2026 |
| Min loan | $125K newfiwholesale.com · checked Oct 19, 2026 | $100K quicklinecapital.com · checked Oct 19, 2026 |
| Max loan | $3M newfiwholesale.com · checked Oct 19, 2026 | $2M quicklinecapital.com · checked Oct 19, 2026 |
| Prepayment | 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 | Not published |
| Reserves | 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 | Not published |
| States served | 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 | All 50 states Quickline's own pages disagree: the STR page says all 50 states, the home page says 45 states and the DSCR rental page says 43 states. None lists which states. Confirm for your state. Lender sources · checked Oct 18, 2026 |
| First-time investors | Yes Lender sources · checked Oct 18, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Wholesale | Lender |
| 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.