STR Lender Watch Get lender alerts

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

Other direct lenders we track, compared with Certain 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
7
More flexible on some terms
16
Direct lenders compared
24
Checked
Oct 22, 2026

What Certain Lending publishes

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

Certain Lending published core terms
TermCertain Lending
Min credit score700source · Oct 22, 2026
Min DSCRNot published
DSCR below 1.0Not published
No-ratio optionNot published
Max LTV (purchase)75%source · Oct 22, 2026
Max LTV (cash-out)70%source · Oct 22, 2026
Min loan$150Ksource · Oct 22, 2026
Max loan$1.5Msource · Oct 22, 2026
STR income methodEithersource · Oct 22, 2026
First-time investorsNot published
States servedAll except HI, ND, NV, SD, UT, WVsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Certain 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.

Easy Street Capital 6 more flexible · 1 same · 7 compared

Easy Street Capital compared with Certain Lending on terms both publish
TermCertain LendingEasy Street Capitalvs Certain Lending
Min credit score700640source · Oct 22, 2026more flexible
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
Min loan$150K$100Ksource · Oct 22, 2026more flexible
Max loan$1.5M$3.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 19, 2026same
States servedAll except HI, ND, NV, SD, UT, WVAll except ND, SDsource · Oct 22, 2026more flexible

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

Easy Street Capital lender pageCompare Certain Lending and Easy Street Capital

Griffin Funding 6 more flexible · 1 same · 7 compared

Griffin Funding compared with Certain Lending on terms both publish
TermCertain LendingGriffin Fundingvs Certain Lending
Min credit score700620source · Oct 22, 2026more flexible
Max LTV (purchase)75%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
Min loan$150K$100Ksource · Oct 22, 2026more flexible
Max loan$1.5M$4.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
States servedAll except HI, ND, NV, SD, UT, WVAll 50 states + DCsource · Oct 22, 2026more flexible

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

Griffin Funding lender pageCompare Certain Lending and Griffin Funding

Quickline Capital 6 more flexible · 1 same · 7 compared

Quickline Capital compared with Certain Lending on terms both publish
TermCertain LendingQuickline Capitalvs Certain Lending
Min credit score700660source · Oct 22, 2026more flexible
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
Min loan$150K$100Ksource · Oct 22, 2026more flexible
Max loan$1.5M$2Msource · Oct 22, 2026more flexible
STR income methodEitherProjectionsource · Oct 22, 2026same
States servedAll except HI, ND, NV, SD, UT, WVAll 50 statessource · Oct 22, 2026more flexible

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

Quickline Capital lender pageCompare Certain Lending and Quickline Capital

A&D Mortgage 5 more flexible · 1 same · 6 compared

A&D Mortgage compared with Certain Lending on terms both publish
TermCertain LendingA&D Mortgagevs Certain Lending
Min credit score700620source · Oct 22, 2026more flexible
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Min loan$150K$75Ksource · Oct 22, 2026more flexible
Max loan$1.5M$3Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
States servedAll except HI, ND, NV, SD, UT, WVLicensed in 50 states/DCsource · Oct 22, 2026more flexible

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

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

Uncapco Financial 5 more flexible · 1 same · 6 compared

Uncapco Financial compared with Certain Lending on terms both publish
TermCertain LendingUncapco Financialvs Certain Lending
Min credit score700660source · Oct 22, 2026more flexible
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
Min loan$150K$100Ksource · Oct 22, 2026more flexible
Max loan$1.5M$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 Certain Lending and Uncapco Financial

Lendmire 2 more flexible · 3 same · 5 compared

Lendmire compared with Certain Lending on terms both publish
TermCertain LendingLendmirevs Certain Lending
Min credit score700620source · Oct 22, 2026more flexible
Max LTV (purchase)75%75%source · Oct 22, 2026same
Max LTV (cash-out)70%70%source · Oct 22, 2026same
Max loan$1.5M$3Msource · 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, Min loan, First-time investors, States served.

Lendmire lender pageCompare Certain Lending and Lendmire

Dominion Financial 4 more flexible · 0 same · 4 compared

Dominion Financial compared with Certain Lending on terms both publish
TermCertain LendingDominion Financialvs Certain Lending
Min credit score700680source · Oct 22, 2026more flexible
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
States servedAll except HI, ND, NV, SD, UT, WVAll 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 Certain Lending and Dominion Financial

More flexible on some terms

More flexible than Certain 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 16.

America Mortgages 7 terms compared

  • More flexibleMin credit score: 680 vs 700; Max LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%; Min loan: $100K vs $150K; Max loan: $3M vs $1.5M
  • DifferentStates served: lists 4 states (HI, ND, SD, WV) Certain Lending doesn't, but not 3 states (IA, NC, VA) Certain Lending lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, First-time investors

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

America Mortgages lender pageCompare Certain Lending and America Mortgages

theLender 7 terms compared

  • More flexibleMin credit score: 620 vs 700; Max LTV (purchase): 85% vs 75%; Max LTV (cash-out): 75% vs 70%; Min loan: $100K vs $150K; Max loan: $3.5M vs $1.5M
  • DifferentStates served: lists 7 states Certain Lending doesn't, but not 1 state (NY) Certain Lending lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, First-time investors

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

theLender lender pageCompare Certain Lending and theLender

1st Nationwide Mortgage 7 terms compared

  • More flexibleMin credit score: 640 vs 700; Max LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%; Min loan: $100K vs $150K
  • DifferentStates served: lists 2 states (WV, DC) Certain Lending doesn't, but not 4 states (MI, MN, NY, VT) Certain Lending lists
  • SameMax loan, STR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, First-time investors

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

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

Newfi Wholesale 7 terms compared

  • More flexibleMin credit score: 640 vs 700; Max LTV (cash-out): 75% vs 70%; Min loan: $125K vs $150K; Max loan: $3M vs $1.5M
  • DifferentStates served: lists 7 states Certain Lending doesn't, but not 2 states (MA, NY) Certain Lending lists
  • SameMax LTV (purchase), STR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, First-time investors

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

Newfi Wholesale lender pageCompare Certain Lending and Newfi Wholesale

Acra Lending 7 terms compared

  • More flexibleMin credit score: 640 vs 700; Min loan: $100K vs $150K; Max loan: $3M vs $1.5M
  • Less flexibleSTR income method: 12-month history vs Either
  • DifferentStates served: lists 5 states (HI, NV, UT, WV, DC) Certain Lending doesn't, but not 1 state (AK) Certain Lending lists
  • SameMax LTV (purchase), Max LTV (cash-out)
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, First-time investors

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

Acra Lending lender pageCompare Certain Lending and Acra Lending

Defy Mortgage 7 terms compared

  • More flexibleMax LTV (cash-out): 75% vs 70%; Min loan: $75K vs $150K; Max loan: $2.5M vs $1.5M
  • Less flexibleMin credit score: 720 vs 700
  • DifferentStates served: lists 3 states (HI, WV, DC) Certain Lending doesn't, but not 7 states Certain Lending lists
  • SameMax LTV (purchase), STR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, First-time investors

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

Defy Mortgage lender pageCompare Certain Lending and Defy Mortgage

Lima One Capital 7 terms compared

  • More flexibleMin credit score: 660 vs 700; Min loan: $75K vs $150K; Max loan: $2.5M vs $1.5M
  • DifferentStates served: lists 5 states (HI, NV, UT, WV, DC) Certain Lending doesn't, but not 2 states (AK, VT) Certain Lending lists
  • SameMax LTV (purchase), Max LTV (cash-out), STR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, First-time investors

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

Lima One Capital lender pageCompare Certain Lending and Lima One Capital

Angel Oak Mortgage Solutions 6 terms compared

  • More flexibleMin credit score: 680 vs 700; Max LTV (purchase): 85% vs 75%; Min loan: $100K vs $150K; Max loan: $3M vs $1.5M
  • DifferentStates served: lists 7 states Certain Lending doesn't, but not 4 states (AK, MA, NY, VT) Certain Lending lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, Max LTV (cash-out), First-time investors

Values: Angel Oak Mortgage Solutions first, then Certain Lending. Sources and check dates are on each lender page.

Angel Oak Mortgage Solutions lender pageCompare Certain Lending and Angel Oak Mortgage Solutions

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

Certain Lending

Find a lender

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

No spam, unsubscribe anytime. Form not loading? Subscribe here.

Closed an STR DSCR loan?

Share the rate you got so other hosts can see what loans really cost. Anonymous, no personal info, reviewed before it appears.

Share your rate

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.