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Defy Mortgage alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with Defy 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
2
More flexible on some terms
21
Direct lenders compared
24
Checked
Oct 22, 2026

What Defy Mortgage publishes

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

Defy Mortgage published core terms
TermDefy Mortgage
Min credit score720source · Oct 22, 2026
Min DSCR1.15source · Oct 22, 2026
DSCR below 1.0Nosource · Oct 22, 2026
No-ratio optionNot published
Max LTV (purchase)75%source · Oct 22, 2026
Max LTV (cash-out)75%source · Oct 22, 2026
Min loan$75Ksource · Oct 22, 2026
Max loan$2.5Msource · Oct 22, 2026
STR income methodEithersource · Oct 19, 2026
First-time investorsNosource · Oct 22, 2026
States servedAll except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VTsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Defy 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.

Kiavi 5 more flexible · 0 same · 5 compared

Kiavi compared with Defy Mortgage on terms both publish
TermDefy MortgageKiavivs Defy Mortgage
Min DSCR1.150.80source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
First-time investorsNoYessource · Oct 22, 2026more flexible
States servedAll except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VTAll except UTsource · Oct 22, 2026more flexible

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

Kiavi lender pageCompare Defy Mortgage and Kiavi

Dominion Financial 3 more flexible · 1 same · 4 compared

Dominion Financial compared with Defy Mortgage on terms both publish
TermDefy MortgageDominion Financialvs Defy Mortgage
Min credit score720680source · Oct 22, 2026more flexible
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Max LTV (cash-out)75%75%source · Oct 22, 2026same
States servedAll except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VTAll 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 Defy Mortgage and Dominion Financial

More flexible on some terms

More flexible than Defy 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. Showing 8 of 21.

Quickline Capital 10 terms compared

  • More flexibleMin credit score: 660 vs 720; Min DSCR: 0.75 vs 1.15; DSCR below 1.0: Yes vs No; Max LTV (purchase): 80% vs 75%; First-time investors: Yes vs No
  • Less flexibleMin loan: $100K vs $75K; Max loan: $2M vs $2.5M
  • DifferentStates served: lists 11 states Defy Mortgage doesn't, but not 1 state (DC) Defy Mortgage lists
  • SameMax LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option

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

Quickline Capital lender pageCompare Defy Mortgage and Quickline Capital

Newfi Wholesale 10 terms compared

  • More flexibleMin credit score: 640 vs 720; Min DSCR: 1.00 vs 1.15; Max loan: $3M vs $2.5M; First-time investors: Yes vs No
  • Less flexibleMin loan: $125K vs $75K
  • DifferentStates served: lists 11 states Defy Mortgage doesn't, but not 2 states (MA, NY) Defy Mortgage lists
  • SameDSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option

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

Newfi Wholesale lender pageCompare Defy Mortgage and Newfi Wholesale

Easy Street Capital 9 terms compared

  • More flexibleMin credit score: 640 vs 720; DSCR below 1.0: Yes vs No; Max LTV (purchase): 80% vs 75%; Max loan: $3.5M vs $2.5M; First-time investors: Yes vs No; States served: All except ND, SD vs All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT
  • Less flexibleMin loan: $100K vs $75K
  • SameMax LTV (cash-out), STR income method
  • Not comparable (not published)Min DSCR, No-ratio option

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

Easy Street Capital lender pageCompare Defy Mortgage and Easy Street Capital

Griffin Funding 9 terms compared

  • More flexibleMin credit score: 620 vs 720; DSCR below 1.0: Yes vs No; Max LTV (purchase): 85% vs 75%; Max loan: $4.5M vs $2.5M; First-time investors: Yes vs No; States served: All 50 states + DC vs All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT
  • Less flexibleMin loan: $100K vs $75K
  • SameMax LTV (cash-out), STR income method
  • Not comparable (not published)Min DSCR, No-ratio option

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

Griffin Funding lender pageCompare Defy Mortgage and Griffin Funding

America Mortgages 9 terms compared

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

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

America Mortgages lender pageCompare Defy Mortgage and America Mortgages

New Silver 9 terms compared

  • More flexibleMin credit score: 660 vs 720; Max LTV (purchase): 80% vs 75%; Max loan: $3M vs $2.5M; First-time investors: Yes vs No; States served: 42 states/DC listed vs All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT
  • Less flexibleMin loan: $150K vs $75K
  • SameMin DSCR, DSCR below 1.0, STR income method
  • Not comparable (not published)No-ratio option, Max LTV (cash-out)

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

New Silver lender pageCompare Defy Mortgage and New Silver

theLender 9 terms compared

  • More flexibleMin credit score: 620 vs 720; DSCR below 1.0: Yes vs No; Max LTV (purchase): 85% vs 75%; Max loan: $3.5M vs $2.5M; First-time investors: Yes vs No
  • Less flexibleMin loan: $100K vs $75K
  • DifferentStates served: lists 11 states Defy Mortgage doesn't, but not 1 state (NY) Defy Mortgage lists
  • SameMax LTV (cash-out), STR income method
  • Not comparable (not published)Min DSCR, No-ratio option

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

theLender lender pageCompare Defy Mortgage and theLender

1st Nationwide Mortgage 9 terms compared

  • More flexibleMin credit score: 640 vs 720; Min DSCR: 1.00 vs 1.15; DSCR below 1.0: Yes vs No; Max LTV (purchase): 80% vs 75%
  • Less flexibleMin loan: $100K vs $75K; Max loan: $1.5M vs $2.5M
  • DifferentStates served: lists 4 states (AK, AZ, ID, OR) Defy Mortgage doesn't, but not 2 states (HI, NY) Defy Mortgage lists
  • SameMax LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option, First-time investors

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

1st Nationwide Mortgage lender pageCompare Defy Mortgage and 1st Nationwide Mortgage

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

Defy Mortgage

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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.