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1st Nationwide Mortgage alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with 1st Nationwide Mortgage on the core loan terms both lenders publish. Each figure links to the lender page it came from, with the date we checked it.

Read this first

Based on published terms only; rates and pricing aren't compared. Confirm with each lender. A term one side doesn't publish is “not comparable (not published)” and doesn't count either way. Nothing here is a ranking.

At least as flexible on every shared term
5
More flexible on some terms
16
Direct lenders compared
24
Checked
Oct 22, 2026

What 1st Nationwide Mortgage publishes

The terms every alternative below is compared against. Verified from lender's own page on Oct 22, 2026

1st Nationwide Mortgage published core terms
Term1st Nationwide Mortgage
Min credit score640source · Oct 22, 2026
Min DSCR1.00source · Oct 22, 2026
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionNot published
Max LTV (purchase)80%source · Oct 22, 2026
Max LTV (cash-out)75%source · Oct 22, 2026
Min loan$100Ksource · Oct 22, 2026
Max loan$1.5Msource · Oct 22, 2026
STR income methodEithersource · Oct 22, 2026
First-time investorsNot published
States served42 states/DC listedsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than 1st Nationwide Mortgage on every term both lenders publish, with at least 3 terms in common. ✓ = more flexible, = = the same. Sorted by how many terms can be compared, then how many are more flexible.

Griffin Funding 4 more flexible · 4 same · 8 compared

Griffin Funding compared with 1st Nationwide Mortgage on terms both publish
Term1st Nationwide MortgageGriffin Fundingvs 1st Nationwide Mortgage
Min credit score640620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)80%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)75%75%source · Oct 22, 2026same
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$1.5M$4.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
States served42 states/DC listedAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, First-time investors.

Griffin Funding lender pageCompare 1st Nationwide Mortgage and Griffin Funding

theLender 4 more flexible · 4 same · 8 compared

theLender compared with 1st Nationwide Mortgage on terms both publish
Term1st Nationwide MortgagetheLendervs 1st Nationwide Mortgage
Min credit score640620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)80%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)75%75%source · Oct 22, 2026same
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$1.5M$3.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
States served42 states/DC listedLicensed in 50 states/DCsource · Oct 19, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, First-time investors.

theLender lender pageCompare 1st Nationwide Mortgage and theLender

Easy Street Capital 2 more flexible · 6 same · 8 compared

Easy Street Capital compared with 1st Nationwide Mortgage on terms both publish
Term1st Nationwide MortgageEasy Street Capitalvs 1st Nationwide Mortgage
Min credit score640640source · Oct 22, 2026same
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)80%80%source · Oct 22, 2026same
Max LTV (cash-out)75%75%source · Oct 22, 2026same
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$1.5M$3.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 19, 2026same
States served42 states/DC listedAll except ND, SDsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, First-time investors.

Easy Street Capital lender pageCompare 1st Nationwide Mortgage and Easy Street Capital

A&D Mortgage 4 more flexible · 3 same · 7 compared

A&D Mortgage compared with 1st Nationwide Mortgage on terms both publish
Term1st Nationwide MortgageA&D Mortgagevs 1st Nationwide Mortgage
Min credit score640620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)80%80%source · Oct 22, 2026same
Min loan$100K$75Ksource · Oct 22, 2026more flexible
Max loan$1.5M$3Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
States served42 states/DC listedLicensed in 50 states/DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors.

A&D Mortgage lender pageCompare 1st Nationwide Mortgage and A&D Mortgage

Kiavi 2 more flexible · 2 same · 4 compared

Kiavi compared with 1st Nationwide Mortgage on terms both publish
Term1st Nationwide MortgageKiavivs 1st Nationwide Mortgage
Min DSCR1.000.80source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)80%80%source · Oct 22, 2026same
States served42 states/DC listedAll except UTsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min credit score, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method, First-time investors.

Kiavi lender pageCompare 1st Nationwide Mortgage and Kiavi

More flexible on some terms

More flexible than 1st Nationwide Mortgage on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off. Showing 8 of 16.

Defy Mortgage 9 terms compared

  • More flexibleMin loan: $75K vs $100K; Max loan: $2.5M vs $1.5M
  • Less flexibleMin credit score: 720 vs 640; Min DSCR: 1.15 vs 1.00; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%
  • DifferentStates served: lists 2 states (HI, NY) 1st Nationwide Mortgage doesn't, but not 4 states (AK, AZ, ID, OR) 1st Nationwide Mortgage lists
  • SameMax LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option, First-time investors

Values: Defy Mortgage first, then 1st Nationwide Mortgage. Sources and check dates are on each lender page.

Defy Mortgage lender pageCompare 1st Nationwide Mortgage and Defy Mortgage

Lima One Capital 9 terms compared

  • More flexibleMin loan: $75K vs $100K; Max loan: $2.5M vs $1.5M
  • Less flexibleMin credit score: 660 vs 640; Min DSCR: 1.30 vs 1.00; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%
  • DifferentStates served: lists 6 states (HI, MI, MN, NV, NY, UT) 1st Nationwide Mortgage doesn't, but not 1 state (AK) 1st Nationwide Mortgage lists
  • SameSTR income method
  • Not comparable (not published)No-ratio option, First-time investors

Values: Lima One Capital first, then 1st Nationwide Mortgage. Sources and check dates are on each lender page.

Lima One Capital lender pageCompare 1st Nationwide Mortgage and Lima One Capital

Quickline Capital 9 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00; Max loan: $2M vs $1.5M
  • Less flexibleMin credit score: 660 vs 640
  • DifferentStates served: lists 9 states 1st Nationwide Mortgage doesn't, but not 1 state (DC) 1st Nationwide Mortgage lists
  • SameDSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method
  • Not comparable (not published)No-ratio option, First-time investors

Values: Quickline Capital first, then 1st Nationwide Mortgage. Sources and check dates are on each lender page.

Quickline Capital lender pageCompare 1st Nationwide Mortgage and Quickline Capital

Newfi Wholesale 9 terms compared

  • More flexibleMax loan: $3M vs $1.5M
  • Less flexibleDSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%; Min loan: $125K vs $100K
  • DifferentStates served: lists 8 states 1st Nationwide Mortgage doesn't, but not 1 state (MA) 1st Nationwide Mortgage lists
  • SameMin credit score, Min DSCR, Max LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option, First-time investors

Values: Newfi Wholesale first, then 1st Nationwide Mortgage. Sources and check dates are on each lender page.

Newfi Wholesale lender pageCompare 1st Nationwide Mortgage and Newfi Wholesale

LendSure Mortgage 8 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00; Max LTV (purchase): 85% vs 80%; Max loan: $3M vs $1.5M; States served: Licensed in 50 states/DC vs 42 states/DC listed
  • Less flexibleMin credit score: 660 vs 640
  • SameDSCR below 1.0, Max LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option, Min loan, First-time investors

Values: LendSure Mortgage first, then 1st Nationwide Mortgage. Sources and check dates are on each lender page.

LendSure Mortgage lender pageCompare 1st Nationwide Mortgage and LendSure Mortgage

Acra Lending 8 terms compared

  • More flexibleMax loan: $3M vs $1.5M
  • Less flexibleMax LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%; STR income method: 12-month history vs Either
  • DifferentStates served: lists 7 states 1st Nationwide Mortgage doesn't, but not 1 state (AK) 1st Nationwide Mortgage lists
  • SameMin credit score, DSCR below 1.0, Min loan
  • Not comparable (not published)Min DSCR, No-ratio option, First-time investors

Values: Acra Lending first, then 1st Nationwide Mortgage. Sources and check dates are on each lender page.

Acra Lending lender pageCompare 1st Nationwide Mortgage and Acra Lending

America Mortgages 8 terms compared

  • More flexibleMax loan: $3M vs $1.5M
  • Less flexibleMin credit score: 680 vs 640
  • DifferentStates served: lists 7 states 1st Nationwide Mortgage doesn't, but not 4 states (IA, NC, VA, DC) 1st Nationwide Mortgage lists
  • SameDSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, First-time investors

Values: America Mortgages first, then 1st Nationwide Mortgage. Sources and check dates are on each lender page.

America Mortgages lender pageCompare 1st Nationwide Mortgage and America Mortgages

New Silver 8 terms compared

  • More flexibleMax loan: $3M vs $1.5M
  • Less flexibleMin credit score: 660 vs 640; Min DSCR: 1.15 vs 1.00; DSCR below 1.0: No vs Yes; Min loan: $150K vs $100K
  • DifferentStates served: lists 3 states (HI, MI, NY) 1st Nationwide Mortgage doesn't, but not 3 states (AK, ID, OR) 1st Nationwide Mortgage lists
  • SameMax LTV (purchase), STR income method
  • Not comparable (not published)No-ratio option, Max LTV (cash-out), First-time investors

Values: New Silver first, then 1st Nationwide Mortgage. Sources and check dates are on each lender page.

New Silver lender pageCompare 1st Nationwide Mortgage and New Silver

How this page is built

Lower minimum credit score, minimum DSCR and minimum loan count as more flexible; so do higher max LTVs and max loan, a published “Yes” on DSCR below 1.0, no-ratio and first-time investors, an STR income method that accepts projections where 1st Nationwide Mortgage counts booking history only, and a state list that includes all of 1st Nationwide Mortgage's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

1st Nationwide Mortgage

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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.