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Capital Ton alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with Capital Ton 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
12
More flexible on some terms
15
Direct lenders compared
27
Checked
Oct 22–Oct 26, 2026

What Capital Ton publishes

The terms every alternative below is compared against. Verified from lender's own page on Oct 26, 2026

Capital Ton published core terms
TermCapital Ton
Min credit score680source · Oct 26, 2026
Min DSCR1.10source · Oct 26, 2026
DSCR below 1.0Nosource · Oct 26, 2026
No-ratio optionNot published
Max LTV (purchase)80%source · Oct 26, 2026
Max LTV (cash-out)75%source · Oct 26, 2026
Min loan$100Ksource · Oct 26, 2026
Max loanNot published
STR income methodProjectionsource · Oct 26, 2026
First-time investorsYessource · Oct 26, 2026
States servedLicensed in 23 states/DCsource · Oct 26, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Capital Ton 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. Showing 8 of 12.

Quickline Capital 4 more flexible · 5 same · 9 compared

Quickline Capital compared with Capital Ton on terms both publish
TermCapital TonQuickline Capitalvs Capital Ton
Min credit score680660source · Oct 22, 2026more flexible
Min DSCR1.100.75source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · 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
STR income methodProjectionProjectionsource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedLicensed in 23 states/DCAll 50 statessource · Oct 22, 2026more flexible

Not comparable (not published by one or both): No-ratio option, Max loan.

Quickline Capital lender pageCompare Capital Ton and Quickline Capital

1st Nationwide Mortgage 4 more flexible · 4 same · 8 compared

1st Nationwide Mortgage compared with Capital Ton on terms both publish
TermCapital Ton1st Nationwide Mortgagevs Capital Ton
Min credit score680640source · Oct 22, 2026more flexible
Min DSCR1.101.00source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · 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
STR income methodProjectionEithersource · Oct 22, 2026same
States servedLicensed in 23 states/DC42 states/DC listedsource · Oct 22, 2026more flexible

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

1st Nationwide Mortgage lender pageCompare Capital Ton and 1st Nationwide Mortgage

Griffin Funding 4 more flexible · 4 same · 8 compared

Griffin Funding compared with Capital Ton on terms both publish
TermCapital TonGriffin Fundingvs Capital Ton
Min credit score680620source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
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
STR income methodProjectionEithersource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedLicensed in 23 states/DCAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, Max loan.

Griffin Funding lender pageCompare Capital Ton and Griffin Funding

theLender 4 more flexible · 4 same · 8 compared

theLender compared with Capital Ton on terms both publish
TermCapital TontheLendervs Capital Ton
Min credit score680620source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
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
STR income methodProjectionEithersource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedLicensed in 23 states/DCLicensed in 50 states/DCsource · Oct 19, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, Max loan.

theLender lender pageCompare Capital Ton and theLender

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

Easy Street Capital compared with Capital Ton on terms both publish
TermCapital TonEasy Street Capitalvs Capital Ton
Min credit score680640source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · 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
STR income methodProjectionEithersource · Oct 19, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedLicensed in 23 states/DCAll except ND, SDsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, Max loan.

Easy Street Capital lender pageCompare Capital Ton and Easy Street Capital

LendSure Mortgage 5 more flexible · 2 same · 7 compared

LendSure Mortgage compared with Capital Ton on terms both publish
TermCapital TonLendSure Mortgagevs Capital Ton
Min credit score680660source · Oct 22, 2026more flexible
Min DSCR1.100.75source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
Max LTV (purchase)80%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)75%75%source · Oct 22, 2026same
STR income methodProjectionEithersource · Oct 19, 2026same
States servedLicensed in 23 states/DCLicensed in 50 states/DCsource · Oct 22, 2026more flexible

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

LendSure Mortgage lender pageCompare Capital Ton and LendSure Mortgage

A&D Mortgage 4 more flexible · 2 same · 6 compared

A&D Mortgage compared with Capital Ton on terms both publish
TermCapital TonA&D Mortgagevs Capital Ton
Min credit score680620source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
Max LTV (purchase)80%80%source · Oct 22, 2026same
Min loan$100K$75Ksource · Oct 22, 2026more flexible
STR income methodProjectionEithersource · Oct 22, 2026same
States servedLicensed in 23 states/DCLicensed 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), Max loan, First-time investors.

A&D Mortgage lender pageCompare Capital Ton and A&D Mortgage

LendingOne 4 more flexible · 2 same · 6 compared

LendingOne compared with Capital Ton on terms both publish
TermCapital TonLendingOnevs Capital Ton
Min DSCR1.100.75source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · 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$85Ksource · Oct 22, 2026more flexible
States servedLicensed in 23 states/DCAll except AK, NV, ND, SDsource · Oct 22, 2026more flexible

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

LendingOne lender pageCompare Capital Ton and LendingOne

More flexible on some terms

More flexible than Capital Ton 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 15.

Defy Mortgage 9 terms compared

  • More flexibleMin loan: $75K vs $100K; States served: All except AK, AZ, ID, MN, MT, NV, ND, OR, SD, UT, VT vs Licensed in 23 states/DC
  • Less flexibleMin credit score: 720 vs 680; Min DSCR: 1.15 vs 1.10; Max LTV (purchase): 75% vs 80%; First-time investors: No vs Yes
  • SameDSCR below 1.0, Max LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option, Max loan

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

Defy Mortgage lender pageCompare Capital Ton and Defy Mortgage

Newfi Wholesale 9 terms compared

  • More flexibleMin credit score: 640 vs 680; Min DSCR: 1.00 vs 1.10
  • Less flexibleMax LTV (purchase): 75% vs 80%; Min loan: $125K vs $100K
  • DifferentStates served: lists 27 states Capital Ton doesn't, but not 1 state (MA) Capital Ton lists
  • SameDSCR below 1.0, Max LTV (cash-out), STR income method, First-time investors
  • Not comparable (not published)No-ratio option, Max loan

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

Newfi Wholesale lender pageCompare Capital Ton and Newfi Wholesale

Lima One Capital 8 terms compared

  • More flexibleMin credit score: 660 vs 680; Min loan: $75K vs $100K; States served: All except AK, ND, SD, VT vs Licensed in 23 states/DC
  • Less flexibleMin DSCR: 1.30 vs 1.10; Max LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%
  • SameDSCR below 1.0, STR income method
  • Not comparable (not published)No-ratio option, Max loan, First-time investors

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

Lima One Capital lender pageCompare Capital Ton and Lima One Capital

New Silver 8 terms compared

  • More flexibleMin credit score: 660 vs 680; States served: 42 states/DC listed vs Licensed in 23 states/DC
  • Less flexibleMin DSCR: 1.15 vs 1.10; Min loan: $150K vs $100K
  • SameDSCR below 1.0, Max LTV (purchase), STR income method, First-time investors
  • Not comparable (not published)No-ratio option, Max LTV (cash-out), Max loan

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

New Silver lender pageCompare Capital Ton and New Silver

America Mortgages 8 terms compared

  • More flexibleDSCR below 1.0: Yes vs No
  • DifferentStates served: lists 23 states Capital Ton doesn't, but not 1 state (IA) Capital Ton lists
  • SameMin credit score, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option, Max loan

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

America Mortgages lender pageCompare Capital Ton and America Mortgages

Logan Finance 8 terms compared

  • More flexibleMin DSCR: 1.00 vs 1.10
  • Less flexibleMin credit score: 700 vs 680; Max LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%; Min loan: $150K vs $100K; STR income method: 12-month history vs Projection; First-time investors: No vs Yes
  • SameDSCR below 1.0
  • Not comparable (not published)No-ratio option, Max loan, States served

Values: Logan Finance first, then Capital Ton. Sources and check dates are on each lender page.

Logan Finance lender pageCompare Capital Ton and Logan Finance

NQM Funding 7 terms compared

  • More flexibleMin credit score: 660 vs 680; Min DSCR: 0.75 vs 1.10; DSCR below 1.0: Yes vs No; Min loan: $75K vs $100K; States served: Licensed in 49 states/DC vs Licensed in 23 states/DC
  • Less flexibleSTR income method: 12-month history vs Projection
  • SameFirst-time investors
  • Not comparable (not published)No-ratio option, Max LTV (purchase), Max LTV (cash-out), Max loan

Values: NQM Funding first, then Capital Ton. Sources and check dates are on each lender page.

NQM Funding lender pageCompare Capital Ton and NQM Funding

Acra Lending 7 terms compared

  • More flexibleMin credit score: 640 vs 680; DSCR below 1.0: Yes vs No; States served: All except AK, ND, SD vs Licensed in 23 states/DC
  • Less flexibleMax LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%; STR income method: 12-month history vs Projection
  • SameMin loan
  • Not comparable (not published)Min DSCR, No-ratio option, Max loan, First-time investors

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

Acra Lending lender pageCompare Capital Ton and Acra Lending

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

Capital Ton

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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.