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HomeAbroad alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with HomeAbroad 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
1
More flexible on some terms
21
Direct lenders compared
27
Checked
Oct 22–Oct 26, 2026

What HomeAbroad publishes

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

HomeAbroad published core terms
TermHomeAbroad
Min credit scoreNot published
Min DSCR0.75source · Oct 26, 2026
DSCR below 1.0Yessource · Oct 26, 2026
No-ratio optionYessource · Oct 26, 2026
Max LTV (purchase)75%source · Oct 26, 2026
Max LTV (cash-out)70%source · Oct 26, 2026
Min loan$100Ksource · Oct 26, 2026
Max loan$10Msource · Oct 26, 2026
STR income methodEithersource · Oct 26, 2026
First-time investorsNot published
States servedNot itemizedlender sources · Oct 26, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than HomeAbroad 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.

Visio Lending 2 more flexible · 1 same · 3 compared

Visio Lending compared with HomeAbroad on terms both publish
TermHomeAbroadVisio Lendingvs HomeAbroad
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Min loan$100K$75Ksource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same

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

Visio Lending lender pageCompare HomeAbroad and Visio Lending

More flexible on some terms

More flexible than HomeAbroad 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.

Lima One Capital 8 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMin DSCR: 1.30 vs 0.75; DSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Max loan: $2.5M vs $10M
  • SameMax LTV (purchase), Max LTV (cash-out), STR income method
  • Not comparable (not published)Min credit score, First-time investors, States served

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

Lima One Capital lender pageCompare HomeAbroad and Lima One Capital

Newfi Wholesale 8 terms compared

  • More flexibleMax LTV (cash-out): 75% vs 70%
  • Less flexibleMin DSCR: 1.00 vs 0.75; DSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Min loan: $125K vs $100K; Max loan: $3M vs $10M
  • SameMax LTV (purchase), STR income method
  • Not comparable (not published)Min credit score, First-time investors, States served

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

Newfi Wholesale lender pageCompare HomeAbroad and Newfi Wholesale

1st Nationwide Mortgage 7 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMin DSCR: 1.00 vs 0.75; Max loan: $1.5M vs $10M
  • SameDSCR below 1.0, Min loan, STR income method
  • Not comparable (not published)Min credit score, No-ratio option, First-time investors, States served

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

1st Nationwide Mortgage lender pageCompare HomeAbroad and 1st Nationwide Mortgage

America Mortgages 7 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMax loan: $3M vs $10M
  • SameDSCR below 1.0, No-ratio option, Min loan, STR income method
  • Not comparable (not published)Min credit score, Min DSCR, First-time investors, States served

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

America Mortgages lender pageCompare HomeAbroad and America Mortgages

Defy Mortgage 7 terms compared

  • More flexibleMax LTV (cash-out): 75% vs 70%; Min loan: $75K vs $100K
  • Less flexibleMin DSCR: 1.15 vs 0.75; DSCR below 1.0: No vs Yes; Max loan: $2.5M vs $10M
  • SameMax LTV (purchase), STR income method
  • Not comparable (not published)Min credit score, No-ratio option, First-time investors, States served

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

Defy Mortgage lender pageCompare HomeAbroad and Defy Mortgage

Griffin Funding 7 terms compared

  • More flexibleMax LTV (purchase): 85% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMax loan: $4.5M vs $10M
  • SameDSCR below 1.0, No-ratio option, Min loan, STR income method
  • Not comparable (not published)Min credit score, Min DSCR, First-time investors, States served

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

Griffin Funding lender pageCompare HomeAbroad and Griffin Funding

LendSure Mortgage 7 terms compared

  • More flexibleMax LTV (purchase): 85% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMax loan: $3M vs $10M
  • SameMin DSCR, DSCR below 1.0, No-ratio option, STR income method
  • Not comparable (not published)Min credit score, Min loan, First-time investors, States served

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

LendSure Mortgage lender pageCompare HomeAbroad and LendSure Mortgage

Quickline Capital 7 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMax loan: $2M vs $10M
  • SameMin DSCR, DSCR below 1.0, Min loan, STR income method
  • Not comparable (not published)Min credit score, No-ratio option, First-time investors, States served

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

Quickline Capital lender pageCompare HomeAbroad and Quickline Capital

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

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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.