{ "generated": "2026-10-19", "count": 26, "lenders": [ { "id": "easy-street-capital", "name": "Easy Street Capital", "website": "https://easystreetcap.com", "channel": "Direct lender", "str_income_method": "Either", "str_income_detail": "12-month history: 12+ months of history: trailing-12 actual revenue. Projection: Professional STR investors: 100% of AirDNA. Others: AirDNA less 25% (2023 tear sheet; current page says AirDNA only 'in certain cases', otherwise appraiser market rent).", "min_fico": 640, "min_dscr": null, "sub_1_dscr": true, "no_ratio": null, "max_ltv_purchase": 80, "max_ltv_cashout": 75, "min_loan": 100000, "max_loan": 3500000, "prepay": "Typically 5/4/3/2/1 step-down", "coverage": "all_except", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": null, "first_time_investor": true, "notes": "Rural properties capped at 65-70% LTV. States its STR loans are suited to first-time investors. Pays a referral fee per closed loan (public referral program).", "sources": [ { "url": "https://easystreetcap.com/short-term-rentals/", "checked": "2026-10-19" }, { "url": "https://easystreetcap.com/easyrent/", "checked": "2026-10-18" }, { "url": "https://easystreetcap.com/refer/", "checked": "2026-10-18" }, { "url": "https://easystreetcap.com/wp-content/uploads/2023/03/TearSheet_2.pdf", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": "https://easystreetcap.com/wp-content/uploads/2023/03/TearSheet_2.pdf", "checked": "2026-10-19", "quote": "If Property Has 12 Months of History: TTM Actual Revenue. If Property Has <12 Months History: AirDNA Projections - 25% Haircut." }, "min_fico": { "url": "https://easystreetcap.com/short-term-rentals/", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://easystreetcap.com/easyrent/", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://easystreetcap.com/short-term-rentals/", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://easystreetcap.com/easyrent/", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://easystreetcap.com/easyrent/", "checked": "2026-10-19", "reverified": true }, "prepay": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "coverage": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "sub_1_dscr": { "url": "https://easystreetcap.com/short-term-rentals/", "checked": "2026-10-19", "quote": "We have no minimum DSCR to originate short-term rental loans." }, "str_income_detail": { "url": "https://easystreetcap.com/wp-content/uploads/2023/03/TearSheet_2.pdf", "checked": "2026-10-19", "quote": "If Property Has 12 Months of History: TTM Actual Revenue. If Property Has <12 Months History: AirDNA Projections - 25% Haircut." } } }, { "id": "kiavi", "name": "Kiavi", "website": "https://www.kiavi.com", "channel": "Direct lender", "str_income_method": "Not published", "str_income_detail": "State page lists short-term rentals (Airbnb, vacation) as a DSCR use case. DSCR page: qualifying rent is the lower of 110% of appraised market rent and valid lease rent. STR-specific income method not published.", "min_fico": null, "min_dscr": 0.8, "sub_1_dscr": true, "no_ratio": null, "max_ltv_purchase": 80, "max_ltv_cashout": null, "min_loan": null, "max_loan": null, "prepay": "No prepayment penalty after year 3", "coverage": "all_except", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Company-wide lending footprint (all products): 49 states + DC, not Utah.", "first_time_investor": true, "notes": "No hard credit pull at application per DSCR page. Says it serves first-time landlords. DSCR and rental loans are originated by Figure Lending LLC dba Figure effective 9/1/2026 (site footer). 80% LTV is the general DSCR figure, not STR-specific.", "sources": [ { "url": "https://www.kiavi.com/loans/dscr", "checked": "2026-10-19" }, { "url": "https://www.kiavi.com/states/arizona", "checked": "2026-10-18" }, { "url": "https://www.kiavi.com/", "checked": "2026-10-18" }, { "url": "https://www.kiavi.com/states-kiavi-lends-in", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": [ "UT" ], "verify": null, "field_sources": { "min_dscr": { "url": "https://www.kiavi.com/loans/dscr", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "coverage": { "url": "https://www.kiavi.com/states-kiavi-lends-in", "checked": "2026-10-19", "quote": "Kiavi currently offers hard money loans to entities in AL, AK, AZ ... WV, and WY as well as Washington D.C. (49 states + DC; Utah not listed)" }, "states": { "url": "https://www.kiavi.com/states-kiavi-lends-in", "checked": "2026-10-19", "quote": "49 states + DC; UT is the state not listed" }, "max_ltv_purchase": { "url": "https://www.kiavi.com/loans/dscr", "checked": "2026-10-19", "quote": "DSCR Loan Rates + Terms: Up to 80% LTV (loan-to-value)" }, "prepay": { "url": "https://www.kiavi.com/loans/dscr", "checked": "2026-10-19", "quote": "No prepayment penalty after year 3" } } }, { "id": "lima-one-capital", "name": "Lima One Capital", "website": "https://www.limaone.com", "channel": "Direct lender", "str_income_method": "Projection", "str_income_detail": "Dedicated STR loan underwritten using AirDNA and other STR market data.", "min_fico": 700, "min_dscr": 1.3, "sub_1_dscr": false, "no_ratio": false, "max_ltv_purchase": 75, "max_ltv_cashout": 70, "min_loan": 75000, "max_loan": 2500000, "prepay": "Flexible; a low or no prepayment penalty option is available for a higher fee and/or rate", "coverage": "all_except", "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "UT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Does not lend in AK, ND, SD or VT; 46 states + DC.", "first_time_investor": null, "notes": "Figures are for the Short-Term Rental Loan. Standard rental loan: 660 FICO, 1.0 min DSCR, up to 80%/75% LTV, $100K-$2.5M, no investment-experience requirement for SFR rental loans.", "sources": [ { "url": "https://www.limaone.com/short-term-rental-loans/", "checked": "2026-10-19" }, { "url": "https://www.limaone.com/rental/detail/", "checked": "2026-10-19" }, { "url": "https://www.limaone.com/rental/", "checked": "2026-10-18" }, { "url": "https://www.limaone.com/market-insights/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": [ "AK", "ND", "SD", "VT" ], "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://www.limaone.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "min_dscr": { "url": "https://www.limaone.com/rental/detail/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://www.limaone.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://www.limaone.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": "https://www.limaone.com/rental/detail/", "checked": "2026-10-19", "quote": "Lima One Capital, LLC does not lend in Alaska, North Dakota, South Dakota, or Vermont." }, "states": { "url": "https://www.limaone.com/market-insights/", "checked": "2026-10-19", "quote": "thousands of deals closed in 46 states and the District of Columbia" }, "min_loan": { "url": "https://www.limaone.com/short-term-rental-loans/", "checked": "2026-10-19", "quote": "Loans from $75K to $2.5M" }, "max_loan": { "url": "https://www.limaone.com/short-term-rental-loans/", "checked": "2026-10-19", "quote": "Loans from $75K to $2.5M" }, "prepay": { "url": "https://www.limaone.com/rental/detail/", "checked": "2026-10-19", "quote": "Prepayment Penalty Flexibility: Pay a higher fee and/or rate to unlock a low or no prepayment penalty option" }, "no_ratio": { "url": "https://www.limaone.com/short-term-rental-loans/", "checked": "2026-10-19", "quote": "Derived: the STR loan publishes a 1.30 minimum DSCR, so a no-ratio STR loan is not offered" } } }, { "id": "visio-lending", "name": "Visio Lending", "website": "https://visiolending.com", "channel": "Direct lender", "str_income_method": "Either", "str_income_detail": "Evaluates STRs using historical short-term rental income or market-based projections.", "min_fico": 680, "min_dscr": null, "sub_1_dscr": null, "no_ratio": null, "max_ltv_purchase": 85, "max_ltv_cashout": null, "min_loan": 75000, "max_loan": null, "prepay": "5/4/3/2/1 step-down described", "coverage": "list", "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MS", "MO", "MT", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "From the highlighted states on Visio's 'Where We Lend' map (not highlighted: AK, MN, NE, NV, ND, OR, SD, UT, VT). Visio's Michigan page says it does not finance Detroit or Flint.", "first_time_investor": null, "notes": "85% LTV is Visio's general DSCR purchase offer; STR guide says to expect 20-25% down (up to 35% with weaker credit). Minimum property value $150,000; property must be rent-ready (C4). Entity borrowing required in GA, HI, IL, MA, NJ, NY, PA, VA.", "sources": [ { "url": "https://visiolending.com/resources/short-term-rental-guide/", "checked": "2026-10-18" }, { "url": "https://visiolending.com/", "checked": "2026-10-19" }, { "url": "https://visiolending.com/dscr-loans/", "checked": "2026-10-18" }, { "url": "https://visiolending.com/lending-process/", "checked": "2026-10-18" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://visiolending.com/resources/short-term-rental-guide/", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://visiolending.com/", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://visiolending.com/resources/short-term-rental-guide/", "checked": "2026-10-19", "reverified": true }, "prepay": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "coverage": { "url": "https://visiolending.com/", "checked": "2026-10-19", "quote": "'Where We Lend' map on the home page highlights 41 states + DC" }, "states": { "url": "https://visiolending.com/", "checked": "2026-10-19", "quote": "Highlighted states in the home page 'Where We Lend' map data" } } }, { "id": "angel-oak-mortgage-solutions", "name": "Angel Oak Mortgage Solutions", "website": "https://angeloakms.com", "channel": "Wholesale (via approved mortgage professionals)", "str_income_method": "Projection", "str_income_detail": "DSCR program lists an automated AirDNA short-term rental report as a feature.", "min_fico": 680, "min_dscr": null, "sub_1_dscr": true, "no_ratio": true, "max_ltv_purchase": 85, "max_ltv_cashout": null, "min_loan": 100000, "max_loan": 3000000, "prepay": null, "coverage": "licensed", "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Licensing page lists 46 states + DC; site says it is not authorized in New York. DSCR footprint is not itemized separately.", "first_time_investor": null, "notes": "680 FICO up to 75% LTV; 85% max LTV requires 720 FICO. First-time homebuyers not allowed. Max five loans with Angel Oak (exceptions considered).", "sources": [ { "url": "https://angeloakms.com/programs/investor-cash-flow-mortgage-program/", "checked": "2026-10-18" }, { "url": "https://angeloakms.com/", "checked": "2026-10-18" }, { "url": "https://angeloakms.com/licensing/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://angeloakms.com/programs/investor-cash-flow-mortgage-program/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "no_ratio": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://angeloakms.com/programs/investor-cash-flow-mortgage-program/", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://angeloakms.com/programs/investor-cash-flow-mortgage-program/", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://angeloakms.com/programs/investor-cash-flow-mortgage-program/", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": "https://angeloakms.com/licensing/", "checked": "2026-10-19", "quote": "Angel Oak Mortgage Solutions LLC ... is licensed or registered in the following states or districts" }, "states": { "url": "https://angeloakms.com/licensing/", "checked": "2026-10-19", "quote": "State license table (47 incl. DC)" } } }, { "id": "griffin-funding", "name": "Griffin Funding", "website": "https://griffinfunding.com", "channel": "Direct lender (consumer-direct)", "str_income_method": "Either", "str_income_detail": "12-month history: 12 months Airbnb/Vrbo history; 80% where a 20% expense factor applies, 100% on other programs. Projection: Purchase: AirDNA and/or appraiser STR analysis (often the lower of the two); 80% or 100% by program.", "min_fico": 620, "min_dscr": null, "sub_1_dscr": true, "no_ratio": true, "max_ltv_purchase": 85, "max_ltv_cashout": 80, "min_loan": 100000, "max_loan": 4500000, "prepay": "0-5 year terms; common structure is a 5-year step-down (5/4/3/2/1); can be bought out at closing", "coverage": "all", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": null, "first_time_investor": true, "notes": "No minimum DSCR; no-ratio program up to 75% LTV with 700+ FICO. 15% down (85% LTV) requires 740+ credit. Licensed in 47 states + DC; originates DSCR in all 50 + DC. First-time investors must own their primary residence (per its New York DSCR page).", "sources": [ { "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/", "checked": "2026-10-18" }, { "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/dscr-loans-new-york/", "checked": "2026-10-19" }, { "url": "https://griffinfunding.com/blog/dscr-loans/dscr-loan-for-airbnb/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": "https://griffinfunding.com/blog/dscr-loans/dscr-loan-for-airbnb/", "checked": "2026-10-19", "quote": "When a program uses a 20% expense factor, 80% of eligible revenue counts as qualifying income... Other Griffin Funding programs qualify the property on gross STR revenue, with no expense factor." }, "min_fico": { "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "no_ratio": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_cashout": { "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "prepay": { "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/dscr-loans-new-york/", "checked": "2026-10-19", "quote": "The common structure is a five-year step-down ... We offer terms from 0 to 5 years, and the penalty can be bought out at closing." }, "first_time_investor": { "url": "https://griffinfunding.com/non-qm-mortgages/dscr-loans/dscr-loans-new-york/", "checked": "2026-10-19", "quote": "Can I get a New York DSCR loan as a first-time investor? Yes, you don't need a portfolio ... if you own your primary residence, you're eligible" }, "str_income_detail": { "url": "https://griffinfunding.com/blog/dscr-loans/dscr-loan-for-airbnb/", "checked": "2026-10-19", "quote": "When a program uses a 20% expense factor, 80% of eligible revenue counts as qualifying income... Other Griffin Funding programs qualify the property on gross STR revenue, with no expense factor." } } }, { "id": "new-silver", "name": "New Silver", "website": "https://newsilver.com", "channel": "Direct lender", "str_income_method": "Either", "str_income_detail": "Market rent addendum and/or STR valuation such as AirDNA on new purchases; refinances require rental history (12 months to count as occupied).", "min_fico": 660, "min_dscr": 1.15, "sub_1_dscr": false, "no_ratio": false, "max_ltv_purchase": 80, "max_ltv_cashout": null, "min_loan": 150000, "max_loan": 3000000, "prepay": null, "coverage": "list", "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VA", "WA", "DC", "WV", "WI", "WY" ], "states_note": "From the areaServed list in the DSCR page's structured data.", "first_time_investor": true, "notes": "STR program: min DSCR 1.15x, reserves 6 months PITIA (+6 if loan > $2MM), min loan $150K. General Rent product lists 0.75 min DSCR and 'Prior Experience Required: No'.", "sources": [ { "url": "https://help.newsilver.com/en/articles/10905757-how-does-a-short-term-rental-str-program-work", "checked": "2026-10-19" }, { "url": "https://newsilver.com/dscr-loan/", "checked": "2026-10-18" }, { "url": "https://newsilver.com/dscr-loan/short-term-rental-loans/", "checked": "2026-10-18" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://newsilver.com/dscr-loan/", "checked": "2026-10-19", "reverified": true }, "min_dscr": { "url": "https://help.newsilver.com/en/articles/10905757-how-does-a-short-term-rental-str-program-work", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://newsilver.com/dscr-loan/", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://help.newsilver.com/en/articles/10905757-how-does-a-short-term-rental-str-program-work", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://newsilver.com/dscr-loan/", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "no_ratio": { "url": "https://help.newsilver.com/en/articles/10905757-how-does-a-short-term-rental-str-program-work", "checked": "2026-10-19", "quote": "Derived: STR program publishes a 1.15x minimum DSCR, so no-ratio STR loans are not offered" } } }, { "id": "corevest-finance", "name": "CoreVest Finance", "website": "https://www.corevestfinance.com", "channel": "Direct lender", "str_income_method": "Not published", "str_income_detail": "Short-Term Rental Loan for portfolios; approval based on rental income. Method not detailed.", "min_fico": null, "min_dscr": null, "sub_1_dscr": null, "no_ratio": null, "max_ltv_purchase": 70, "max_ltv_cashout": null, "min_loan": 500000, "max_loan": null, "prepay": null, "coverage": "list", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "states_note": "Does not lend in NV, ND or SD. Vermont only for loans over $1,000,000. DC is not listed.", "first_time_investor": false, "notes": "Portfolio product: 5+ short-term rental properties under one loan, 'designed for experienced investors'. Borrow up to 70% of property value; loans $500K to $5M+.", "sources": [ { "url": "https://www.corevestfinance.com/loan-types/short-term-rental-loans", "checked": "2026-10-18" }, { "url": "https://www.corevestfinance.com/where-we-lend", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "max_ltv_purchase": { "url": "https://www.corevestfinance.com/loan-types/short-term-rental-loans", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://www.corevestfinance.com/loan-types/short-term-rental-loans", "checked": "2026-10-19", "reverified": true }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "coverage": { "url": "https://www.corevestfinance.com/where-we-lend", "checked": "2026-10-19", "quote": "States we lend in: Alabama ... Wyoming. While we don't currently lend in Nevada, North Dakota, or South Dakota" }, "states": { "url": "https://www.corevestfinance.com/where-we-lend", "checked": "2026-10-19", "quote": "'States we lend in' list (47 states)" } } }, { "id": "lendingone", "name": "LendingOne", "website": "https://lendingone.com", "channel": "Direct lender", "str_income_method": "Not published", "str_income_detail": "DSCR loans 'may be available' for short-term vacation rentals; underwriting may review market rent, historical income and occupancy trends.", "min_fico": null, "min_dscr": 0.75, "sub_1_dscr": true, "no_ratio": null, "max_ltv_purchase": 80, "max_ltv_cashout": 75, "min_loan": 85000, "max_loan": 2000000, "prepay": "0-5 year penalty periods, depending on structure", "coverage": "all_except", "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "states_note": "Does not lend in AK, NV, ND or SD. DC is not addressed.", "first_time_investor": null, "notes": null, "sources": [ { "url": "https://lendingone.com/loan-types/dscr-rental-loans/", "checked": "2026-10-19" }, { "url": "https://lendingone.com/resources/where-we-lend/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": [ "AK", "NV", "ND", "SD" ], "verify": null, "field_sources": { "min_dscr": { "url": "https://lendingone.com/loan-types/dscr-rental-loans/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://lendingone.com/loan-types/dscr-rental-loans/", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://lendingone.com/loan-types/dscr-rental-loans/", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://lendingone.com/loan-types/dscr-rental-loans/", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://lendingone.com/loan-types/dscr-rental-loans/", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": "https://lendingone.com/resources/where-we-lend/", "checked": "2026-10-19", "quote": "LendingOne, LLC currently does not lend in the following states: Alaska, Nevada, North Dakota, and South Dakota." }, "states": { "url": "https://lendingone.com/resources/where-we-lend/", "checked": "2026-10-19", "quote": "licensed or exempt from licensing in all other states" }, "prepay": { "url": "https://lendingone.com/loan-types/dscr-rental-loans/", "checked": "2026-10-19", "quote": "LendingOne offers flexible options with penalty periods ranging from zero to five years." } } }, { "id": "defy-mortgage", "name": "Defy Mortgage", "website": "https://defymortgage.com", "channel": "Direct lender", "str_income_method": "Either", "str_income_detail": "12-month history: 12-month operating history accepted; factor not published. Projection: Purchase: AirDNA, 80% of annual revenue \u00f7 12; operator experience in the last 12 months required. STR min DSCR 1.15. STR max LTV 75%.", "min_fico": 640, "min_dscr": 0.75, "sub_1_dscr": true, "no_ratio": null, "max_ltv_purchase": 85, "max_ltv_cashout": 80, "min_loan": 75000, "max_loan": null, "prepay": "Standard 5-year step-down (5/4/3/2/1); flat 5% also available", "coverage": "all_except", "states": [ "AL", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": null, "first_time_investor": true, "notes": "Does not lend DSCR in OR, ID, NV, UT, AZ, ND, SD, MN, MI, VT, AK (39 states + DC). Rate matrix starts at 640 FICO. Site says 'First deal or fiftieth.' LTVs are general DSCR figures (SFR / 2-4 unit), not STR-specific. Says there is no hard maximum loan limit.", "sources": [ { "url": "https://defymortgage.com/non-qm-loans/dscr-loans/", "checked": "2026-10-18" }, { "url": "https://defymortgage.com/dscr-loan-rates/", "checked": "2026-10-19" }, { "url": "https://defymortgage.com/", "checked": "2026-10-18" }, { "url": "https://defytpo.com/best-wholesale-dscr-lender", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": "https://defytpo.com/best-wholesale-dscr-lender", "checked": "2026-10-19", "quote": "Short-Term Rentals (STR): Min DSCR 1.150x; Max LTV 75% or 5% LTV reduction; Min score 720; Property Guard report required. Purchase: Use AirDNA for monthly rental income. Qualifying property income: 80% of annual revenue \u00f7 12. Borrower must document short-term rental management or operator experience in the last 12 months." }, "min_fico": { "url": "https://defymortgage.com/non-qm-loans/dscr-loans/", "checked": "2026-10-19", "reverified": true }, "min_dscr": { "url": "https://defymortgage.com/non-qm-loans/dscr-loans/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_loan": { "url": "https://defymortgage.com/non-qm-loans/dscr-loans/", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://defymortgage.com/dscr-loan-rates/", "checked": "2026-10-19", "quote": "Max LTV \u2014 purchase: 85% SFR / 80% 2\u20134 unit" }, "max_ltv_cashout": { "url": "https://defymortgage.com/dscr-loan-rates/", "checked": "2026-10-19", "quote": "cash-out: 80% / 75%" }, "prepay": { "url": "https://defymortgage.com/dscr-loan-rates/", "checked": "2026-10-19", "quote": "Standard 5-year step-down prepay (5-4-3-2-1) is built into the rates above. A flat 5% prepay is also available" }, "str_income_detail": { "url": "https://defytpo.com/best-wholesale-dscr-lender", "checked": "2026-10-19", "quote": "Short-Term Rentals (STR): Min DSCR 1.150x; Max LTV 75% or 5% LTV reduction; Min score 720; Property Guard report required. Purchase: Use AirDNA for monthly rental income. Qualifying property income: 80% of annual revenue \u00f7 12. Borrower must document short-term rental management or operator experience in the last 12 months." } } }, { "id": "ad-mortgage", "name": "A&D Mortgage", "website": "https://admortgage.com", "channel": "Wholesale / correspondent", "str_income_method": "Either", "str_income_detail": "12-month history: 12-month average from STR statements/agreement (or 1007 showing STR), at 75%. Projection: Only when no actual STR income: 75% of AirDNA Rentalizer (occupancy \u2265 60%) or 75% of a 1007 with STR comps. STR max LTV 80%.", "min_fico": 620, "min_dscr": null, "sub_1_dscr": true, "no_ratio": true, "max_ltv_purchase": 80, "max_ltv_cashout": null, "min_loan": null, "max_loan": 3000000, "prepay": "Up to 5 years", "coverage": "licensed", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Licensing page lists 49 states + DC (not Hawaii). DSCR footprint is not itemized separately.", "first_time_investor": true, "notes": "DSCR below 1 requires 680 FICO (or no FICO) and excludes condos/condotels. First-time homebuyers allowed up to 70% CLTV. Broker/partner channel.", "sources": [ { "url": "https://admortgage.com/programs/dscr/", "checked": "2026-10-19" }, { "url": "https://admortgage.com/programs/non-qm-loans/", "checked": "2026-10-18" }, { "url": "https://admortgage.com/", "checked": "2026-10-18" }, { "url": "https://admortgage.com/important-disclosures/", "checked": "2026-10-19" }, { "url": "https://admortgage.com/wp-content/uploads/Non-QM-Loan-Eligibility-Guidelines_June_29_July_01_2026.pdf", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "min_fico": { "url": "https://admortgage.com/programs/dscr/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://admortgage.com/programs/dscr/", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://admortgage.com/programs/dscr/", "checked": "2026-10-19", "reverified": true }, "prepay": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "no_ratio": { "url": "https://admortgage.com/programs/dscr/", "checked": "2026-10-19", "quote": "Why choose our DSCR program? ... No ratio loans" }, "coverage": { "url": "https://admortgage.com/important-disclosures/", "checked": "2026-10-19", "quote": "A&D Mortgage LLC is licensed by: (state license table)" }, "states": { "url": "https://admortgage.com/important-disclosures/", "checked": "2026-10-19", "quote": "License table lists 49 states + DC (no Hawaii)" }, "str_income_method": { "url": "https://admortgage.com/wp-content/uploads/Non-QM-Loan-Eligibility-Guidelines_June_29_July_01_2026.pdf", "checked": "2026-10-19", "quote": "75% of short-term rental value will be used for qualification purposes (to adjust for rental expenses)." }, "str_income_detail": { "url": "https://admortgage.com/wp-content/uploads/Non-QM-Loan-Eligibility-Guidelines_June_29_July_01_2026.pdf", "checked": "2026-10-19", "quote": "75% of short-term rental value will be used for qualification purposes (to adjust for rental expenses)." } } }, { "id": "thelender", "name": "theLender", "website": "https://thelender.com", "channel": "Direct and broker", "str_income_method": "Projection", "str_income_detail": "STR investor loans qualify on rent potential and property cash flow using property-level data and rental analysis.", "min_fico": null, "min_dscr": null, "sub_1_dscr": true, "no_ratio": null, "max_ltv_purchase": 85, "max_ltv_cashout": 75, "min_loan": 100000, "max_loan": 3500000, "prepay": null, "coverage": "licensed", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Licensing page lists 49 states + DC (not New York). DSCR footprint is not itemized separately.", "first_time_investor": null, "notes": "Two tiers: NONI (DSCR 1:1 or greater, $100K-$3.5MM) and nearNONI (DSCR below 1, $100K-$3.0MM). Up to 80% LTV rate/term.", "sources": [ { "url": "https://thelender.com/str/", "checked": "2026-10-18" }, { "url": "https://wholesale.thelender.com/licensing/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_cashout": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_loan": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_loan": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "coverage": { "url": "https://wholesale.thelender.com/licensing/", "checked": "2026-10-19", "quote": "State Licenses (table)" }, "states": { "url": "https://wholesale.thelender.com/licensing/", "checked": "2026-10-19", "quote": "License table lists 49 states + DC (no New York)" } } }, { "id": "lendsure", "name": "LendSure Mortgage", "website": "https://lendsure.com", "channel": "Wholesale", "str_income_method": "Either", "str_income_detail": "12-month history: 12-month Airbnb/VRBO earnings summary at 80%. Projection: AirDNA report at 80%.", "min_fico": 660, "min_dscr": 0.75, "sub_1_dscr": true, "no_ratio": true, "max_ltv_purchase": 85, "max_ltv_cashout": 75, "min_loan": null, "max_loan": 3000000, "prepay": null, "coverage": "licensed", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Licensing page lists 49 states + DC; New York authorization is pending. DSCR footprint is not itemized separately.", "first_time_investor": null, "notes": "1-4 unit figures shown; 5-10 units: 680 FICO, 1.1x DSCR, 75%/65% LTV, LLC and experienced investors only. Foreign nationals allowed.", "sources": [ { "url": "https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/", "checked": "2026-10-18" }, { "url": "https://lendsure.com/about-lendsure-mortgage-corp/mortgage-licensing-information/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": "https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/", "checked": "2026-10-19", "quote": "Accepts AirDNA reports and 12-month Airbnb/VRBO earning summaries; 80% multiplier applied to gross STR income." }, "min_fico": { "url": "https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/", "checked": "2026-10-19", "reverified": true }, "min_dscr": { "url": "https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "no_ratio": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": "https://lendsure.com/about-lendsure-mortgage-corp/mortgage-licensing-information/", "checked": "2026-10-19", "quote": "Mortgage licensing information (state table)" }, "states": { "url": "https://lendsure.com/about-lendsure-mortgage-corp/mortgage-licensing-information/", "checked": "2026-10-19", "quote": "Licensed in 49 states + DC; 'This site is pending authorization by the New York State Department of Financial Services.'" }, "str_income_detail": { "url": "https://lendsure.com/specialty-loan-solutions/dscr-wholesale-power/", "checked": "2026-10-19", "quote": "Accepts AirDNA reports and 12-month Airbnb/VRBO earning summaries; 80% multiplier applied to gross STR income." } } }, { "id": "truss-financial-group", "name": "Truss Financial Group", "website": "https://trussfinancialgroup.com", "channel": "Lender/broker", "str_income_method": "Not published", "str_income_detail": "DSCR page says DSCR loans work for short-term rentals and Airbnb properties and notes most lenders require a higher DSCR (1.5+) for them.", "min_fico": 620, "min_dscr": null, "sub_1_dscr": null, "no_ratio": null, "max_ltv_purchase": null, "max_ltv_cashout": null, "min_loan": 100000, "max_loan": null, "prepay": null, "coverage": "unknown", "states": [], "states_note": null, "first_time_investor": null, "notes": null, "sources": [ { "url": "https://trussfinancialgroup.com/loans/dscr-loans", "checked": "2026-10-18" } ], "checked": "2026-10-18", "states_excluded": null, "verify": null, "field_sources": { "min_fico": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_loan": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" } } }, { "id": "dominion-financial", "name": "Dominion Financial", "website": "https://dominionfinancial.com", "channel": "Direct lender", "str_income_method": "Not published", "str_income_detail": "FAQ: 'Do you lend on short term rentals? Yes, we do.' Method not detailed.", "min_fico": 680, "min_dscr": null, "sub_1_dscr": null, "no_ratio": null, "max_ltv_purchase": 80, "max_ltv_cashout": 75, "min_loan": null, "max_loan": null, "prepay": "No-prepay (select loans), 3-2-1 or 5-year step-down options", "coverage": "all_except", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Licensed or exempt from licensing in all states except Nevada.", "first_time_investor": null, "notes": "680 FICO minimum with exceptions as low as 660.", "sources": [ { "url": "https://dominionfinancial.com/dscr-loans", "checked": "2026-10-18" } ], "checked": "2026-10-18", "states_excluded": null, "verify": null, "field_sources": { "min_fico": { "url": "https://dominionfinancial.com/dscr-loans", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://dominionfinancial.com/dscr-loans", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://dominionfinancial.com/dscr-loans", "checked": "2026-10-19", "reverified": true }, "prepay": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "coverage": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" } } }, { "id": "america-mortgages", "name": "America Mortgages", "website": "https://www.americamortgages.com", "channel": "Direct lender and broker (150+ lenders)", "str_income_method": "Either", "str_income_detail": "AM Premier+ counts STR income; documentation is typically a market-rent appraisal or documented platform income history, varying by lender.", "min_fico": null, "min_dscr": null, "sub_1_dscr": true, "no_ratio": true, "max_ltv_purchase": 80, "max_ltv_cashout": 75, "min_loan": 100000, "max_loan": 3000000, "prepay": null, "coverage": "all", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Arranges DSCR loans in all 50 states; individual programs vary by lender/state.", "first_time_investor": true, "notes": "Focused on foreign and international investors. LTV and loan figures are its published AM Premier+ ranges for U.S. citizens/expats; foreign nationals: up to 75% purchase / 70% cash-out, $150K-$1M.", "sources": [ { "url": "https://www.americamortgages.com/loan-type/us-dscr-mortgage", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "coverage": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "sub_1_dscr": { "url": "https://www.americamortgages.com/loan-type/us-dscr-mortgage", "checked": "2026-10-19", "quote": "Flexible DSCR 1.00x, 0.75x and No Ratio" }, "no_ratio": { "url": "https://www.americamortgages.com/loan-type/us-dscr-mortgage", "checked": "2026-10-19", "quote": "Flexible DSCR 1.00x, 0.75x and No Ratio" }, "max_ltv_purchase": { "url": "https://www.americamortgages.com/loan-type/us-dscr-mortgage", "checked": "2026-10-19", "quote": "AM Premier+ \u2014 U.S. citizen / expat purchase: Up to 80%, $100k \u2013 $3M" }, "max_ltv_cashout": { "url": "https://www.americamortgages.com/loan-type/us-dscr-mortgage", "checked": "2026-10-19", "quote": "AM Premier+ \u2014 U.S. citizen / expat cash-out: Up to 75%" }, "min_loan": { "url": "https://www.americamortgages.com/loan-type/us-dscr-mortgage", "checked": "2026-10-19", "quote": "AM Premier+ \u2014 U.S. citizen / expat purchase: $100k \u2013 $3M" }, "max_loan": { "url": "https://www.americamortgages.com/loan-type/us-dscr-mortgage", "checked": "2026-10-19", "quote": "AM Premier+ \u2014 U.S. citizen / expat purchase: $100k \u2013 $3M" }, "first_time_investor": { "url": "https://www.americamortgages.com/loan-type/us-dscr-mortgage", "checked": "2026-10-19", "quote": "Who it's for: ... First-Time U.S. Property Investors from Overseas" } } }, { "id": "nqm-funding", "name": "NQM Funding", "website": "https://www.nqmf.com", "channel": "Wholesale", "str_income_method": "12-month history", "str_income_detail": "12-month history: 12\u201324 months via property manager or Airbnb/VRBO records; factor not published. Projection: not accepted (AirDNA data is not accepted). STR min DSCR 1.15.", "min_fico": 640, "min_dscr": null, "sub_1_dscr": null, "no_ratio": null, "max_ltv_purchase": null, "max_ltv_cashout": null, "min_loan": null, "max_loan": null, "prepay": null, "coverage": "licensed", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "Licensing page lists 48 states + DC (not HI or NY). DSCR footprint is not itemized separately.", "first_time_investor": true, "notes": "Program described as designed for first-time and experienced investors. No-ratio scenarios reviewed.", "sources": [ { "url": "https://www.nqmf.com/products/investor-dscr/", "checked": "2026-10-18" }, { "url": "https://www.nqmf.com/", "checked": "2026-10-18" }, { "url": "https://www.nqmf.com/licensing/", "checked": "2026-10-19" }, { "url": "https://www.nqmf.com/hawaii-dscr-loans-financing-investment-properties-in-a-high-demand-vacation-market/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "min_fico": { "url": "https://www.nqmf.com/products/investor-dscr/", "checked": "2026-10-19", "reverified": true }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "coverage": { "url": "https://www.nqmf.com/licensing/", "checked": "2026-10-19", "quote": "Licensing (state table)" }, "states": { "url": "https://www.nqmf.com/licensing/", "checked": "2026-10-19", "quote": "License table lists 48 states + DC (no Hawaii or New York)" }, "str_income_method": { "url": "https://www.nqmf.com/hawaii-dscr-loans-financing-investment-properties-in-a-high-demand-vacation-market/", "checked": "2026-10-19", "quote": "12\u201324 months of rental history through a property manager or Airbnb/VRBO records... AirDNA data is not accepted." }, "str_income_detail": { "url": "https://www.nqmf.com/hawaii-dscr-loans-financing-investment-properties-in-a-high-demand-vacation-market/", "checked": "2026-10-19", "quote": "12\u201324 months of rental history through a property manager or Airbnb/VRBO records... AirDNA data is not accepted." } } }, { "id": "newfi-wholesale", "name": "Newfi Wholesale", "website": "https://www.newfiwholesale.com", "channel": "Wholesale", "str_income_method": "Either", "str_income_detail": "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%.", "min_fico": 640, "min_dscr": 1.0, "sub_1_dscr": false, "no_ratio": false, "max_ltv_purchase": 80, "max_ltv_cashout": 80, "min_loan": null, "max_loan": 3000000, "prepay": null, "coverage": "licensed", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "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.", "first_time_investor": true, "notes": "STR requires DSCR over 1.00. General DSCR: DSCR >= 0.75 available with 660 credit; 640 is the lowest advertised DSCR credit score; first-time investors allowed; 1-4 units.", "sources": [ { "url": "https://www.newfiwholesale.com/programs/dscr/", "checked": "2026-10-19" }, { "url": "https://www.newfiwholesale.com/major-enhancements-to-nonqm-and-dscr/", "checked": "2026-10-18" }, { "url": "https://newfi.com/licensing/", "checked": "2026-10-19" }, { "url": "https://newficorrespondent.com/wp-content/uploads/2024/08/Correspondent-Newfi-Lending-DSCR-Guidelines-6-27-2024-v3.pdf", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "min_dscr": { "url": "https://www.newfiwholesale.com/programs/dscr/", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://www.newfiwholesale.com/programs/dscr/", "checked": "2026-10-19", "reverified": true }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://www.newfiwholesale.com/programs/dscr/", "checked": "2026-10-19", "quote": "Credit Scores as Low as 640" }, "sub_1_dscr": { "url": "https://www.newfiwholesale.com/programs/dscr/", "checked": "2026-10-19", "quote": "FAQ: short-term rentals allowed with a DSCR over 1.00" }, "no_ratio": { "url": "https://www.newfiwholesale.com/programs/dscr/", "checked": "2026-10-19", "quote": "Derived: STRs require a DSCR over 1.00, so no-ratio STR loans are not offered" }, "max_ltv_cashout": { "url": "https://www.newfiwholesale.com/programs/dscr/", "checked": "2026-10-19", "quote": "Up to 80% LTV on Purchase, Rate & Term, or Cash-Out" }, "max_loan": { "url": "https://www.newfiwholesale.com/programs/dscr/", "checked": "2026-10-19", "quote": "Loan Amounts Up to $3 million" }, "coverage": { "url": "https://newfi.com/licensing/", "checked": "2026-10-19", "quote": "NEXERA HOLDING LLC \u2013 NMLS ID 1231327 (state license list)" }, "states": { "url": "https://newfi.com/licensing/", "checked": "2026-10-19", "quote": "License list shows 48 states + DC (no Massachusetts or New York)" }, "str_income_method": { "url": "https://newficorrespondent.com/wp-content/uploads/2024/08/Correspondent-Newfi-Lending-DSCR-Guidelines-6-27-2024-v3.pdf", "checked": "2026-10-19", "quote": "STR may be used to a max LTV of 75% and on DSCR > 1.0 only. STR on purchase is available to experienced investors only. 80% of the actual or estimated gross receipts." }, "str_income_detail": { "url": "https://newficorrespondent.com/wp-content/uploads/2024/08/Correspondent-Newfi-Lending-DSCR-Guidelines-6-27-2024-v3.pdf", "checked": "2026-10-19", "quote": "STR may be used to a max LTV of 75% and on DSCR > 1.0 only. STR on purchase is available to experienced investors only. 80% of the actual or estimated gross receipts." } } }, { "id": "quickline-capital", "name": "Quickline Capital", "website": "https://quicklinecapital.com", "channel": "Lender", "str_income_method": "Projection", "str_income_detail": "Uses AirDNA Rentalizer projections to qualify properties not yet operating as STRs.", "min_fico": 660, "min_dscr": 0.75, "sub_1_dscr": true, "no_ratio": null, "max_ltv_purchase": 80, "max_ltv_cashout": 75, "min_loan": 100000, "max_loan": 2000000, "prepay": null, "coverage": "all", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY" ], "states_note": "STR page says all 50 states; its home page says it lends in 45 states. Confirm for your state.", "first_time_investor": true, "notes": "States no experience requirement. Lends on 1-4 family, condos and townhomes valued $100K+ anywhere in the 50 states.", "sources": [ { "url": "https://quicklinecapital.com/short-term-rental-loans/", "checked": "2026-10-19" }, { "url": "https://quicklinecapital.com/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": "Re-checked 2026-10-19 with a normal browser fetch: STR page loads (the checker's 403 was a bot block). All published STR figures unchanged.", "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://quicklinecapital.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "min_dscr": { "url": "https://quicklinecapital.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://quicklinecapital.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://quicklinecapital.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://quicklinecapital.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://quicklinecapital.com/short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "first_time_investor": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" } } }, { "id": "uncapco", "name": "Uncapco Financial", "website": "https://uncapco.com", "channel": "Lender", "str_income_method": "Either", "str_income_detail": "Uses AirDNA data, platform history, market comps or projected bookings; new STRs can qualify on AirDNA.", "min_fico": 660, "min_dscr": null, "sub_1_dscr": null, "no_ratio": null, "max_ltv_purchase": 80, "max_ltv_cashout": 75, "min_loan": 100000, "max_loan": 5000000, "prepay": null, "coverage": "unknown", "states": [], "states_note": null, "first_time_investor": null, "notes": "Foreign nationals eligible with a U.S. FICO score. 'Financing is not available in all states.'", "sources": [ { "url": "https://uncapco.com/short-term-rental-loans", "checked": "2026-10-18" } ], "checked": "2026-10-18", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://uncapco.com/short-term-rental-loans", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://uncapco.com/short-term-rental-loans", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://uncapco.com/short-term-rental-loans", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://uncapco.com/short-term-rental-loans", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://uncapco.com/short-term-rental-loans", "checked": "2026-10-19", "reverified": true } } }, { "id": "1st-nationwide-mortgage", "name": "1st Nationwide Mortgage", "website": "https://www.1stnwm.com", "channel": "Mortgage company", "str_income_method": "Either", "str_income_detail": "12 months of actual Airbnb/VRBO/PMS income is standard; under 12 months can combine partial actuals with an AirDNA projection.", "min_fico": 640, "min_dscr": 1.0, "sub_1_dscr": true, "no_ratio": null, "max_ltv_purchase": 80, "max_ltv_cashout": 75, "min_loan": 100000, "max_loan": 1500000, "prepay": null, "coverage": "list", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "DSCR footprint: 41 states + DC. Its STR page says it does STR DSCR in most states where it originates DSCR, so confirm for your state.", "first_time_investor": null, "notes": null, "sources": [ { "url": "https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/", "checked": "2026-10-19" }, { "url": "https://www.1stnwm.com/states/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "min_dscr": { "url": "https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": "https://www.1stnwm.com/loan-programs/airbnb-short-term-rental-loans/", "checked": "2026-10-19", "quote": "Minimum for most STR DSCR programs: 1.00 (some programs go as low as 0.75 for strong borrowers)." }, "coverage": { "url": "https://www.1stnwm.com/states/", "checked": "2026-10-19", "quote": "DSCR investor loans in 41 states plus D.C." }, "states": { "url": "https://www.1stnwm.com/states/", "checked": "2026-10-19", "quote": "States with dedicated DSCR pages plus 'DSCR rental-property loans are also available in the following additional states'" } } }, { "id": "certain-lending", "name": "Certain Lending", "website": "https://www.certainlending.com", "channel": "Direct lender", "str_income_method": "Either", "str_income_detail": "DSCR calculated using 12 months of operating history or AirDNA rents as market rent.", "min_fico": 700, "min_dscr": null, "sub_1_dscr": null, "no_ratio": null, "max_ltv_purchase": 75, "max_ltv_cashout": 70, "min_loan": 150000, "max_loan": 1500000, "prepay": null, "coverage": "all_except", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "VT", "VA", "WA", "WI", "WY" ], "states_note": "Does not lend in HI, ND, NV, SD, UT or WV. DC is not addressed.", "first_time_investor": null, "notes": "Property must be listed on Airbnb, VRBO or similar. Entities only with personal guarantee. Foreign nationals at reduced LTV. C3 condition or better.", "sources": [ { "url": "https://www.certainlending.com/products", "checked": "2026-10-18" }, { "url": "https://www.certainlending.com/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": [ "HI", "ND", "NV", "SD", "UT", "WV" ], "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://www.certainlending.com/products", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://www.certainlending.com/products", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://www.certainlending.com/products", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://www.certainlending.com/products", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://www.certainlending.com/products", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": "https://www.certainlending.com/", "checked": "2026-10-19", "quote": "We do not lend in HI, ND, NV, SD, UT, and WV." }, "states": { "url": "https://www.certainlending.com/", "checked": "2026-10-19", "quote": "We do not lend in HI, ND, NV, SD, UT, and WV." } } }, { "id": "easy-lending-usa", "name": "Easy Lending USA", "website": "https://easylendingusa.com", "channel": "Referral source to lending partners", "str_income_method": "Either", "str_income_detail": "12-month STR history or appraisal short-term rent projection; no history needed for purchases or conversions.", "min_fico": 680, "min_dscr": 1.0, "sub_1_dscr": false, "no_ratio": false, "max_ltv_purchase": 85, "max_ltv_cashout": 75, "min_loan": 100000, "max_loan": 2000000, "prepay": "0 to 5 years (5, 3, 1-year or none)", "coverage": "list", "states": [ "AL", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": "From its 'States served' disclosure (39 states + DC).", "first_time_investor": null, "notes": "85% purchase requires 740+ credit, DSCR 1.25+, experienced investor. First-time investors: conditions apply (700+ credit, prior purchase, own primary residence, single unit, DSCR > 1.0). Disclosures say it acts as a referral source and may be paid by lenders when a referred loan closes.", "sources": [ { "url": "https://easylendingusa.com/programs/short-term-rental/", "checked": "2026-10-19" }, { "url": "https://easylendingusa.com/disclosures/", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://easylendingusa.com/programs/short-term-rental/", "checked": "2026-10-19", "reverified": true }, "min_dscr": { "url": "https://easylendingusa.com/programs/short-term-rental/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "max_ltv_purchase": { "url": "https://easylendingusa.com/programs/short-term-rental/", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://easylendingusa.com/programs/short-term-rental/", "checked": "2026-10-19", "reverified": true }, "prepay": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_loan": { "url": "https://easylendingusa.com/programs/short-term-rental/", "checked": "2026-10-19", "quote": "Loan size $100k \u2013 $2M" }, "max_loan": { "url": "https://easylendingusa.com/programs/short-term-rental/", "checked": "2026-10-19", "quote": "Loan size $100k \u2013 $2M ... Loans above $2M by approval." }, "no_ratio": { "url": "https://easylendingusa.com/programs/short-term-rental/", "checked": "2026-10-19", "quote": "Derived: Min DSCR 1.00 (1.25 for 85%), so no-ratio STR loans are not offered" }, "coverage": { "url": "https://easylendingusa.com/disclosures/", "checked": "2026-10-19", "quote": "We currently accept referrals relating to property in the following states: AL, AR, CA, ... WY (40 states)" }, "states": { "url": "https://easylendingusa.com/disclosures/", "checked": "2026-10-19", "quote": "States served list" } } }, { "id": "lendmire", "name": "Lendmire", "website": "https://www.lendmire.com", "channel": "Mortgage brokerage", "str_income_method": "Either", "str_income_detail": "12 months of rental history or a market data report (AirDNA Rentalizer-style projection).", "min_fico": 620, "min_dscr": 1.0, "sub_1_dscr": true, "no_ratio": true, "max_ltv_purchase": 75, "max_ltv_cashout": 75, "min_loan": null, "max_loan": null, "prepay": null, "coverage": "unknown", "states": [], "states_note": "Says it works across 40 states and DC.", "first_time_investor": null, "notes": "620 FICO is its stated general DSCR standard; 75% is its max STR purchase LTV (general DSCR purchase: 85%). Sub-1.00 and no-ratio options are through select lenders in its network.", "sources": [ { "url": "https://www.lendmire.com/market-data-report-requirements-for-str-loans/", "checked": "2026-10-19" }, { "url": "https://www.lendmire.com/", "checked": "2026-10-18" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://www.lendmire.com/market-data-report-requirements-for-str-loans/", "checked": "2026-10-19", "reverified": true }, "min_dscr": { "url": "https://www.lendmire.com/market-data-report-requirements-for-str-loans/", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://www.lendmire.com/market-data-report-requirements-for-str-loans/", "checked": "2026-10-19", "reverified": true }, "sub_1_dscr": { "url": "https://www.lendmire.com/market-data-report-requirements-for-str-loans/", "checked": "2026-10-19", "quote": "select lenders in the network still work with sub-1.00 coverage" }, "no_ratio": { "url": "https://www.lendmire.com/market-data-report-requirements-for-str-loans/", "checked": "2026-10-19", "quote": "No-Ratio program available for DSCR < 1.00" }, "max_ltv_cashout": { "url": "https://www.lendmire.com/market-data-report-requirements-for-str-loans/", "checked": "2026-10-19", "quote": "Current DSCR Standards ... Max LTV (cash-out): 75%" } } }, { "id": "acra-lending", "name": "Acra Lending", "website": "https://acralending.com", "channel": "Wholesale", "str_income_method": "12-month history", "str_income_detail": "STR allowed case-by-case. Refinances need 12-month rental-agency ledgers; purchases use the appraiser's market rent under standard DSCR rules.", "min_fico": 640, "min_dscr": null, "sub_1_dscr": true, "no_ratio": true, "max_ltv_purchase": 75, "max_ltv_cashout": 70, "min_loan": 100000, "max_loan": 3000000, "prepay": "1-5 year options (fixed or 5/4/3/2/1 step-down) or no prepay", "coverage": "all_except", "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "states_note": null, "first_time_investor": null, "notes": "STR limits: max CLTV 75% purchase, 70% refinance; min FICO 640 (DSCR Program Summary 2/2/2026). Sub-1.0 and no-ratio rules are program-wide; the STR section does not exclude them.", "sources": [ { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19" }, { "url": "https://api.acralending.com/uploads/acra_non_trid_programs_676f910c19.pdf", "checked": "2026-10-18" } ], "checked": "2026-10-19", "states_excluded": null, "verify": null, "field_sources": { "str_income_method": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "min_fico": { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19", "reverified": true }, "max_ltv_purchase": { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19", "reverified": true }, "max_ltv_cashout": { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19", "reverified": true }, "min_loan": { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19", "reverified": true }, "max_loan": { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19", "reverified": true }, "coverage": { "url": null, "checked": "2026-10-18", "note": "From the lender sources listed on this page" }, "sub_1_dscr": { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19", "quote": "DSCR < 1.0 or No Ratio: Max CLTV 75% (Purchase), 70% (R/T), 65% (cash-out); Min FICO 640" }, "no_ratio": { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19", "quote": "DSCR < 1.0 or No Ratio: Max CLTV 75% (Purchase) ..." }, "prepay": { "url": "https://api.acralending.com/uploads/DSCR_Program_Summary_2_02_2026_v1_1_1_ffc2a85bdc.pdf", "checked": "2026-10-19", "quote": "Prepayment Penalty Structures: 5 Year 5% Fixed or Sequential Stepdown (5/4/3/2/1) ... 1 Year 3% Fixed; No Prepay" } } }, { "id": "logan-finance", "name": "Logan Finance", "website": "https://loganfinance.com", "channel": "Wholesale / correspondent", "str_income_method": "12-month history", "str_income_detail": "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%.", "min_fico": 700, "min_dscr": 1.0, "sub_1_dscr": false, "no_ratio": false, "max_ltv_purchase": 75, "max_ltv_cashout": 70, "min_loan": 150000, "max_loan": 1500000, "prepay": "Required; 1-5 year options", "coverage": "unknown", "states": [], "states_note": null, "first_time_investor": false, "notes": "STR terms from the Open Road DSCR matrix dated 06/24/2026 (replaces the 03/09/2026 matrix): min DSCR 1.00, min FICO 700, max loan $1.5M, max LTV 75% purchase / 70% refinance, first-time investor not permitted. A Property Guard compliance report must confirm STRs are allowed at the address.", "sources": [ { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19" } ], "checked": "2026-10-19", "states_excluded": null, "verify": "lfctpo.com copy is behind a bot challenge; the current matrix was read from loganfinance.com on 2026-10-19.", "field_sources": { "str_income_method": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Purchase: market rent as indicated on the appraisal. Refinance: lower of appraisal market rent or 12-month STR history verified by a third-party manager. Min 1.00 DSCR." }, "min_fico": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Min FICO 700" }, "min_dscr": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Min 1.00 DSCR" }, "sub_1_dscr": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19" }, "max_ltv_purchase": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Open Road matrix 06/24/2026: Short Term Rental o Max Loan amount $1,500,000, Min 1.00 DSCR, Min FICO 700, Max LTV 75% for Purchase, 70% LTV for Refinance" }, "max_ltv_cashout": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Max LTV 70% for Refinance transactions" }, "min_loan": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Min loan amount $150,000" }, "max_loan": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Max Loan amount $1,500,000" }, "prepay": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Prepayment Penalty: Required 1, 2, 3,4,5-Year Options Available" }, "first_time_investor": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "First Time Investor: Min DSCR 1.00, Min 700 FICO, Short term rental not permitted" }, "no_ratio": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Derived: STR loans require a minimum 1.00 DSCR, so no-ratio STR loans are not offered" }, "str_income_detail": { "url": "https://loganfinance.com/wp-content/uploads/logan-product-matrixes/open-road/LoganExperienceProductMatrixesOpenRoad-DSCR.pdf", "checked": "2026-10-19", "quote": "Purchase: market rent as indicated on the appraisal. Refinance: lower of appraisal market rent or 12-month STR history verified by a third-party manager. Min 1.00 DSCR." } } } ] }