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America Mortgages alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with America Mortgages 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 America Mortgages publishes

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

America Mortgages published core terms
TermAmerica Mortgages
Min credit score680source · 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)75%source · Oct 22, 2026
Min loan$100Ksource · Oct 22, 2026
Max loan$3Msource · Oct 22, 2026
STR income methodEithersource · Oct 22, 2026
First-time investorsYessource · Oct 22, 2026
States servedAll except IA, NV, NC, UT, VAsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than America Mortgages 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 · 6 same · 10 compared

Griffin Funding compared with America Mortgages on terms both publish
TermAmerica MortgagesGriffin Fundingvs America Mortgages
Min credit score680620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
No-ratio optionYesYessource · 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$3M$4.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedAll except IA, NV, NC, UT, VAAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR.

Griffin Funding lender pageCompare America Mortgages and Griffin Funding

Uncapco Financial 2 more flexible · 4 same · 6 compared

Uncapco Financial compared with America Mortgages on terms both publish
TermAmerica MortgagesUncapco Financialvs America Mortgages
Min credit score680660source · Oct 22, 2026more flexible
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$3M$5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same

Not comparable (not published by one or both): Min DSCR, DSCR below 1.0, No-ratio option, First-time investors, States served.

Uncapco Financial lender pageCompare America Mortgages and Uncapco Financial

Dominion Financial 1 more flexible · 3 same · 4 compared

Dominion Financial compared with America Mortgages on terms both publish
TermAmerica MortgagesDominion Financialvs America Mortgages
Min credit score680680source · Oct 22, 2026same
Max LTV (purchase)80%80%source · Oct 22, 2026same
Max LTV (cash-out)75%75%source · Oct 22, 2026same
States servedAll except IA, NV, NC, UT, VAAll except NVsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, DSCR below 1.0, No-ratio option, Min loan, Max loan, STR income method, First-time investors.

Dominion Financial lender pageCompare America Mortgages and Dominion Financial

Kiavi 1 more flexible · 3 same · 4 compared

Kiavi compared with America Mortgages on terms both publish
TermAmerica MortgagesKiavivs America Mortgages
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)80%80%source · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedAll except IA, NV, NC, UT, VAAll except UTsource · Oct 22, 2026more flexible

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

Kiavi lender pageCompare America Mortgages and Kiavi

Truss Financial Group 2 more flexible · 1 same · 3 compared

Truss Financial Group compared with America Mortgages on terms both publish
TermAmerica MortgagesTruss Financial Groupvs America Mortgages
Min credit score680650source · Oct 22, 2026more flexible
No-ratio optionYesYessource · Oct 22, 2026same
Max loan$3M$30Msource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, DSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method, First-time investors, States served.

Truss Financial Group lender pageCompare America Mortgages and Truss Financial Group

More flexible on some terms

More flexible than America Mortgages 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.

Newfi Wholesale 10 terms compared

  • More flexibleMin credit score: 640 vs 680
  • Less flexibleDSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Max LTV (purchase): 75% vs 80%; Min loan: $125K vs $100K
  • DifferentStates served: lists 6 states (IA, NV, NC, UT, VA, DC) America Mortgages doesn't, but not 2 states (MA, NY) America Mortgages lists
  • SameMax LTV (cash-out), Max loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR

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

Newfi Wholesale lender pageCompare America Mortgages and Newfi Wholesale

theLender 9 terms compared

  • More flexibleMin credit score: 620 vs 680; Max LTV (purchase): 85% vs 80%; Max loan: $3.5M vs $3M
  • DifferentStates served: lists 6 states (IA, NV, NC, UT, VA, DC) America Mortgages doesn't, but not 1 state (NY) America Mortgages lists
  • SameDSCR below 1.0, Max LTV (cash-out), Min loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option

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

theLender lender pageCompare America Mortgages and theLender

Easy Street Capital 9 terms compared

  • More flexibleMin credit score: 640 vs 680; Max loan: $3.5M vs $3M
  • DifferentStates served: lists 6 states (IA, NV, NC, UT, VA, DC) America Mortgages doesn't, but not 2 states (ND, SD) America Mortgages lists
  • SameDSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option

Values: Easy Street Capital first, then America Mortgages. Sources and check dates are on each lender page.

Easy Street Capital lender pageCompare America Mortgages and Easy Street Capital

Lima One Capital 9 terms compared

  • More flexibleMin credit score: 660 vs 680; Min loan: $75K vs $100K
  • Less flexibleDSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Max LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%; Max loan: $2.5M vs $3M
  • DifferentStates served: lists 6 states (IA, NV, NC, UT, VA, DC) America Mortgages doesn't, but not 4 states (AK, ND, SD, VT) America Mortgages lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, First-time investors

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

Lima One Capital lender pageCompare America Mortgages and Lima One Capital

Quickline Capital 9 terms compared

  • More flexibleMin credit score: 660 vs 680; States served: All 50 states vs All except IA, NV, NC, UT, VA
  • Less flexibleMax loan: $2M vs $3M
  • SameDSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option

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

Quickline Capital lender pageCompare America Mortgages and Quickline Capital

Acra Lending 9 terms compared

  • More flexibleMin credit score: 640 vs 680
  • 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 6 states (IA, NV, NC, UT, VA, DC) America Mortgages doesn't, but not 3 states (AK, ND, SD) America Mortgages lists
  • SameDSCR below 1.0, No-ratio option, Min loan, Max loan
  • Not comparable (not published)Min DSCR, First-time investors

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

Acra Lending lender pageCompare America Mortgages and Acra Lending

Defy Mortgage 9 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMin credit score: 720 vs 680; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%; Max loan: $2.5M vs $3M; First-time investors: No vs Yes
  • DifferentStates served: lists 4 states (IA, NC, VA, DC) America Mortgages doesn't, but not 9 states America Mortgages lists
  • SameMax LTV (cash-out), STR income method
  • Not comparable (not published)Min DSCR, No-ratio option

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

Defy Mortgage lender pageCompare America Mortgages and Defy Mortgage

New Silver 9 terms compared

  • More flexibleMin credit score: 660 vs 680
  • Less flexibleDSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Min loan: $150K vs $100K
  • DifferentStates served: lists 4 states (IA, NC, VA, DC) America Mortgages doesn't, but not 7 states America Mortgages lists
  • SameMax LTV (purchase), Max loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR, Max LTV (cash-out)

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

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

America Mortgages

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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.