A&D Mortgage alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with A&D 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
0
More flexible on some terms
7
Direct lenders compared
24
Checked
Oct 22, 2026

What A&D Mortgage publishes

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

A&D Mortgage published core terms
TermA&D Mortgage
Min credit score620source · Oct 22, 2026
Min DSCRNot published
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionYessource · Oct 22, 2026
Max LTV (purchase)80%source · Oct 22, 2026
Max LTV (cash-out)Not published
Min loan$75Ksource · Oct 22, 2026
Max loan$3Msource · Oct 22, 2026
STR income methodEithersource · Oct 22, 2026
First-time investorsNot published
States servedLicensed in 50 states/DCsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than A&D 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.

No direct lender we track publishes terms that are equal or more flexible than A&D Mortgage's on every shared term (with at least 3 in common).

More flexible on some terms

More flexible than A&D 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.

Griffin Funding 8 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%; Max loan: $4.5M vs $3M; States served: All 50 states + DC vs Licensed in 50 states/DC
  • Less flexibleMin loan: $100K vs $75K
  • SameMin credit score, DSCR below 1.0, No-ratio option, STR income method
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

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

Angel Oak Mortgage Solutions 8 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%
  • Less flexibleMin credit score: 680 vs 620; Min loan: $100K vs $75K
  • DifferentStates served: lists 1 state (HI) A&D Mortgage doesn't, but not 4 states (AK, MA, NY, VT) A&D Mortgage lists
  • SameDSCR below 1.0, No-ratio option, Max loan, STR income method
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

Values: Angel Oak Mortgage Solutions first, then A&D Mortgage. Sources and check dates are on each lender page.

theLender 7 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%; Max loan: $3.5M vs $3M
  • Less flexibleMin loan: $100K vs $75K
  • DifferentStates served: lists 1 state (HI) A&D Mortgage doesn't, but not 1 state (NY) A&D Mortgage lists
  • SameMin credit score, DSCR below 1.0, STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors

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

Easy Street Capital 7 terms compared

  • More flexibleMax loan: $3.5M vs $3M
  • Less flexibleMin credit score: 640 vs 620; Min loan: $100K vs $75K
  • DifferentStates served: lists 1 state (HI) A&D Mortgage doesn't, but not 2 states (ND, SD) A&D Mortgage lists
  • SameDSCR below 1.0, Max LTV (purchase), STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors

Values: Easy Street Capital first, then A&D Mortgage. Sources and check dates are on each lender page.

LendSure Mortgage 7 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%
  • Less flexibleMin credit score: 660 vs 620
  • DifferentStates served: lists 1 state (HI) A&D Mortgage doesn't, but not 1 state (NY) A&D Mortgage lists
  • SameDSCR below 1.0, No-ratio option, Max loan, STR income method
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), Min loan, First-time investors

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

Uncapco Financial 5 terms compared

  • More flexibleMax loan: $5M vs $3M
  • Less flexibleMin credit score: 660 vs 620; Min loan: $100K vs $75K
  • SameMax LTV (purchase), STR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, Max LTV (cash-out), First-time investors, States served

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

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

Free · Lender change alerts
  • When a lender we track changes a published term (credit score, LTV, DSCR, STR income rules, states), we email you
  • Old value, new value and a link to the lender's own page
  • No set schedule: we email when there's a change to report. Every change is also on the change log

Free download: the STR DSCR lender cheat sheet (PDF), every direct lender on one printable page. Web version

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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.