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Acra Lending alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with Acra Lending 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
3
More flexible on some terms
19
Direct lenders compared
24
Checked
Oct 22, 2026

What Acra Lending publishes

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

Acra Lending published core terms
TermAcra Lending
Min credit score640source · Oct 22, 2026
Min DSCRNot published
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionYessource · Oct 22, 2026
Max LTV (purchase)75%source · Oct 22, 2026
Max LTV (cash-out)70%source · Oct 22, 2026
Min loan$100Ksource · Oct 22, 2026
Max loan$3Msource · Oct 22, 2026
STR income method12-month historysource · Oct 22, 2026
First-time investorsNot published
States servedAll except AK, ND, SDsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Acra Lending 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 6 more flexible · 3 same · 9 compared

Griffin Funding compared with Acra Lending on terms both publish
TermAcra LendingGriffin Fundingvs Acra Lending
Min credit score640620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
No-ratio optionYesYessource · Oct 22, 2026same
Max LTV (purchase)75%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$3M$4.5Msource · Oct 22, 2026more flexible
STR income method12-month historyEithersource · Oct 22, 2026more flexible
States servedAll except AK, ND, SDAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, First-time investors.

Griffin Funding lender pageCompare Acra Lending and Griffin Funding

Easy Street Capital 5 more flexible · 3 same · 8 compared

Easy Street Capital compared with Acra Lending on terms both publish
TermAcra LendingEasy Street Capitalvs Acra Lending
Min credit score640640source · Oct 22, 2026same
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$3M$3.5Msource · Oct 22, 2026more flexible
STR income method12-month historyEithersource · Oct 19, 2026more flexible
States servedAll except AK, ND, SDAll 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 Acra Lending and Easy Street Capital

Lendmire 2 more flexible · 5 same · 7 compared

Lendmire compared with Acra Lending on terms both publish
TermAcra LendingLendmirevs Acra Lending
Min credit score640620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
No-ratio optionYesYessource · Oct 22, 2026same
Max LTV (purchase)75%75%source · Oct 22, 2026same
Max LTV (cash-out)70%70%source · Oct 22, 2026same
Max loan$3M$3Msource · Oct 22, 2026same
STR income method12-month historyEithersource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, Min loan, First-time investors, States served.

Lendmire lender pageCompare Acra Lending and Lendmire

More flexible on some terms

More flexible than Acra Lending 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 19.

America Mortgages 9 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%; STR income method: Either vs 12-month history
  • Less flexibleMin credit score: 680 vs 640
  • DifferentStates served: lists 3 states (AK, ND, SD) Acra Lending doesn't, but not 6 states (IA, NV, NC, UT, VA, DC) Acra Lending lists
  • SameDSCR below 1.0, No-ratio option, Min loan, Max loan
  • Not comparable (not published)Min DSCR, First-time investors

Values: America Mortgages first, then Acra Lending. Sources and check dates are on each lender page.

America Mortgages lender pageCompare Acra Lending and America Mortgages

Lima One Capital 9 terms compared

  • More flexibleMin loan: $75K vs $100K; STR income method: Projection vs 12-month history
  • Less flexibleMin credit score: 660 vs 640; DSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Max loan: $2.5M vs $3M; States served: All except AK, ND, SD, VT vs All except AK, ND, SD
  • SameMax LTV (purchase), Max LTV (cash-out)
  • Not comparable (not published)Min DSCR, First-time investors

Values: Lima One Capital first, then Acra Lending. Sources and check dates are on each lender page.

Lima One Capital lender pageCompare Acra Lending and Lima One Capital

Newfi Wholesale 9 terms compared

  • More flexibleMax LTV (cash-out): 75% vs 70%; STR income method: Either vs 12-month history
  • Less flexibleDSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Min loan: $125K vs $100K
  • DifferentStates served: lists 3 states (AK, ND, SD) Acra Lending doesn't, but not 2 states (MA, NY) Acra Lending lists
  • SameMin credit score, Max LTV (purchase), Max loan
  • Not comparable (not published)Min DSCR, First-time investors

Values: Newfi Wholesale first, then Acra Lending. Sources and check dates are on each lender page.

Newfi Wholesale lender pageCompare Acra Lending and Newfi Wholesale

theLender 8 terms compared

  • More flexibleMin credit score: 620 vs 640; Max LTV (purchase): 85% vs 75%; Max LTV (cash-out): 75% vs 70%; Max loan: $3.5M vs $3M; STR income method: Either vs 12-month history
  • DifferentStates served: lists 3 states (AK, ND, SD) Acra Lending doesn't, but not 1 state (NY) Acra Lending lists
  • SameDSCR below 1.0, Min loan
  • Not comparable (not published)Min DSCR, No-ratio option, First-time investors

Values: theLender first, then Acra Lending. Sources and check dates are on each lender page.

theLender lender pageCompare Acra Lending and theLender

A&D Mortgage 8 terms compared

  • More flexibleMin credit score: 620 vs 640; Max LTV (purchase): 80% vs 75%; Min loan: $75K vs $100K; STR income method: Either vs 12-month history
  • DifferentStates served: lists 3 states (AK, ND, SD) Acra Lending doesn't, but not 1 state (HI) Acra Lending lists
  • SameDSCR below 1.0, No-ratio option, Max loan
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

Values: A&D Mortgage first, then Acra Lending. Sources and check dates are on each lender page.

A&D Mortgage lender pageCompare Acra Lending and A&D Mortgage

1st Nationwide Mortgage 8 terms compared

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

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

1st Nationwide Mortgage lender pageCompare Acra Lending and 1st Nationwide Mortgage

Defy Mortgage 8 terms compared

  • More flexibleMax LTV (cash-out): 75% vs 70%; Min loan: $75K vs $100K; STR income method: Either vs 12-month history
  • Less flexibleMin credit score: 720 vs 640; DSCR below 1.0: No vs Yes; Max loan: $2.5M vs $3M; States served: All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT vs All except AK, ND, SD
  • SameMax LTV (purchase)
  • Not comparable (not published)Min DSCR, No-ratio option, First-time investors

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

Defy Mortgage lender pageCompare Acra Lending and Defy Mortgage

LendSure Mortgage 8 terms compared

  • More flexibleMax LTV (purchase): 85% vs 75%; Max LTV (cash-out): 75% vs 70%; STR income method: Either vs 12-month history
  • Less flexibleMin credit score: 660 vs 640
  • DifferentStates served: lists 3 states (AK, ND, SD) Acra Lending doesn't, but not 1 state (NY) Acra Lending lists
  • SameDSCR below 1.0, No-ratio option, Max loan
  • Not comparable (not published)Min DSCR, Min loan, First-time investors

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

LendSure Mortgage lender pageCompare Acra Lending and LendSure Mortgage

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 Acra Lending counts booking history only, and a state list that includes all of Acra Lending's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

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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.