STR DSCR lender cheat sheet
The 25 direct lenders we track on one page, by eight key figures. Print this page or download the PDF. Every figure comes from the lender's own pages; open a lender for its source links.
STR Lender Watch: STR DSCR lender cheat sheet · strlenderwatch.com/lenders/cheat-sheet/
| Lender | STR income method | Min credit | Min DSCR | Max LTV (purchase) | Min loan | Max loan | Reserves | States | Checked |
|---|---|---|---|---|---|---|---|---|---|
| 1st Nationwide Mortgage | Either | 640 | 1.00 | 80% | $100K | $1.5M | 3-6 months PITIA (standard DSCR programs); 6-12 months often required on jumbo DSCR | 42 states/DC listed | |
| A&D Mortgage | Either | 620 | 80% | $3M | 3 months; cash-out proceeds can be used as reserves | Licensed in 50 states/DC | |||
| Acra Lending | 12-month history | 640 | 75% | $100K | $3M | All except AK, ND, SD | |||
| America Mortgages | Either | 680 | 80% | $100K | $3M | All except IA, NV, NC, UT, VA | |||
| Angel Oak Mortgage Solutions | Projection | 680 | 85% | $100K | $3M | Licensed in 47 states/DC | |||
| Certain Lending | Either | 700 | 75% | $150K | $1.5M | All except HI, ND, NV, SD, UT, WV | |||
| CoreVest Finance | 70% | $500K | 47 states/DC listed | ||||||
| Defy Mortgage | Either | 720 | 1.15 | 75% | $75K | $2.5M | 3 months PITIA up to $1M; 6 months above $1M, below 1.00 DSCR, interest-only or foreign nationals | All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT | |
| Dominion Financial | 680 | 80% | All except NV | ||||||
| Easy Street Capital | Either | 640 | 80% | $100K | $3.5M | 3-9 months PITIA in documented liquid reserves (EasyRent DSCR program) | All except ND, SD | ||
| Griffin Funding | Either | 620 | 85% | $100K | $4.5M | Varies by program: some require none on loans up to $2.5M at 80% LTV or less; others 6-18 months PITIA by LTV and loan amount, some adding months per other financed property | All 50 states + DC | ||
| Kiavi | 0.80 | 80% | None required (no cash reserve / minimum liquidity requirement on rental loans) | All except UT | |||||
| LendingOne | 0.75 | 80% | $85K | $2M | All except AK, NV, ND, SD | ||||
| Lendmire | Either | 620 | 1.00 | 75% | $3M | ||||
| LendSure Mortgage | Either | 660 | 0.75 | 85% | $3M | Licensed in 50 states/DC | |||
| Lima One Capital | Projection | 660 | 1.30 | 75% | $75K | $2.5M | All except AK, ND, SD, VT | ||
| Logan Finance | 12-month history | 700 | 1.00 | 75% | $150K | $1.5M | |||
| New Silver | Either | 660 | 1.15 | 80% | $150K | $3M | 6 months PITIA/ITIA (STR program); +6 months if loan > $2M | 42 states/DC listed | |
| Newfi Wholesale | Either | 640 | 1.00 | 75% | $125K | $3M | 3 months PITI up to $1.5M; 6 months above $1.5M; 9 months above $2M; novice investors 6 months; STR under 60% occupancy needs 9 months; loan proceeds may count | Licensed in 49 states/DC | |
| NQM Funding | 12-month history | 660 | 0.75 | $75K | $3M | Licensed in 49 states/DC | |||
| Quickline Capital | Projection | 660 | 0.75 | 80% | $100K | $2M | All 50 states | ||
| theLender | Projection | 620 | 85% | $100K | $3.5M | theNONI/theNearNONI: loans up to $1M 0 months (purchase or rate/term), 3 months PITIA cash-out; over $1M 3 months PITIA (purchase or rate/term), 6 months cash-out; cash-out may satisfy reserves | Licensed in 50 states/DC | ||
| Truss Financial Group | 650 | $100K | $30M | ||||||
| Uncapco Financial | Either | 660 | 1.00 | 80% | $100K | $5M | |||
| Visio Lending | Either | 680 | 80% | $75K | 6 months of mortgage payments; for purchases and no cash-out refis, cash to close is on top of reserves; cash-out proceeds can count | 42 states/DC listed |
Blank = not published. A blank cell means we didn't find the figure on the lender's own pages as of its checked date, not that the lender has no policy.
Data as of Oct 20, 2026. Source: each lender's own website or program documents; per-figure source links and dates are on each lender's page at strlenderwatch.com/lenders/. Min DSCR is the lender's published program minimum; some publish a stricter STR minimum (see the lender page). Terms change without notice: confirm with the lender before you rely on them. Not a loan offer.
Source: STR Lender Watch (strlenderwatch.com), compiled from lenders' published pages, CC BY 4.0. Direct lenders only; referral sources are not included.
Want the method behind each lender's STR income figure? See what STR income documentation lenders accept.