STR Lender Watch Get lender alerts

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

Other direct lenders we track, compared with LendingOne 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
19
Direct lenders compared
24
Checked
Oct 22, 2026

What LendingOne publishes

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

LendingOne published core terms
TermLendingOne
Min credit scoreNot published
Min DSCR0.75source · Oct 22, 2026
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionNot published
Max LTV (purchase)80%source · Oct 22, 2026
Max LTV (cash-out)75%source · Oct 22, 2026
Min loan$85Ksource · Oct 22, 2026
Max loan$2Msource · Oct 22, 2026
STR income methodNot published
First-time investorsNot published
States servedAll except AK, NV, ND, SDsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than LendingOne 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.

Dominion Financial 1 more flexible · 2 same · 3 compared

Dominion Financial compared with LendingOne on terms both publish
TermLendingOneDominion Financialvs LendingOne
Max LTV (purchase)80%80%source · Oct 22, 2026same
Max LTV (cash-out)75%75%source · Oct 22, 2026same
States servedAll except AK, NV, ND, SDAll except NVsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min credit score, Min DSCR, DSCR below 1.0, No-ratio option, Min loan, Max loan, STR income method, First-time investors.

Dominion Financial lender pageCompare LendingOne and Dominion Financial

More flexible on some terms

More flexible than LendingOne 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 19.

Defy Mortgage 7 terms compared

  • More flexibleMin loan: $75K vs $85K; Max loan: $2.5M vs $2M
  • Less flexibleMin DSCR: 1.15 vs 0.75; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%
  • DifferentStates served: lists 1 state (DC) LendingOne doesn't, but not 7 states LendingOne lists
  • SameMax LTV (cash-out)
  • Not comparable (not published)Min credit score, No-ratio option, STR income method, First-time investors

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

Defy Mortgage lender pageCompare LendingOne and Defy Mortgage

Lima One Capital 7 terms compared

  • More flexibleMin loan: $75K vs $85K; Max loan: $2.5M vs $2M
  • Less flexibleMin DSCR: 1.30 vs 0.75; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%
  • DifferentStates served: lists 2 states (NV, DC) LendingOne doesn't, but not 1 state (VT) LendingOne lists
  • Not comparable (not published)Min credit score, No-ratio option, STR income method, First-time investors

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

Lima One Capital lender pageCompare LendingOne and Lima One Capital

Newfi Wholesale 7 terms compared

  • More flexibleMax loan: $3M vs $2M
  • Less flexibleMin DSCR: 1.00 vs 0.75; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%; Min loan: $125K vs $85K
  • DifferentStates served: lists 5 states (AK, NV, ND, SD, DC) LendingOne doesn't, but not 2 states (MA, NY) LendingOne lists
  • SameMax LTV (cash-out)
  • Not comparable (not published)Min credit score, No-ratio option, STR income method, First-time investors

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

Newfi Wholesale lender pageCompare LendingOne and Newfi Wholesale

Quickline Capital 7 terms compared

  • More flexibleStates served: All 50 states vs All except AK, NV, ND, SD
  • Less flexibleMin loan: $100K vs $85K
  • SameMin DSCR, DSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Max loan
  • Not comparable (not published)Min credit score, No-ratio option, STR income method, First-time investors

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

Quickline Capital lender pageCompare LendingOne and Quickline Capital

Griffin Funding 6 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%; Max loan: $4.5M vs $2M; States served: All 50 states + DC vs All except AK, NV, ND, SD
  • Less flexibleMin loan: $100K vs $85K
  • SameDSCR below 1.0, Max LTV (cash-out)
  • Not comparable (not published)Min credit score, Min DSCR, No-ratio option, STR income method, First-time investors

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

Griffin Funding lender pageCompare LendingOne and Griffin Funding

Acra Lending 6 terms compared

  • More flexibleMax loan: $3M vs $2M; States served: All except AK, ND, SD vs All except AK, NV, ND, SD
  • Less flexibleMax LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%; Min loan: $100K vs $85K
  • SameDSCR below 1.0
  • Not comparable (not published)Min credit score, Min DSCR, No-ratio option, STR income method, First-time investors

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

Acra Lending lender pageCompare LendingOne and Acra Lending

Easy Street Capital 6 terms compared

  • More flexibleMax loan: $3.5M vs $2M; States served: All except ND, SD vs All except AK, NV, ND, SD
  • Less flexibleMin loan: $100K vs $85K
  • SameDSCR below 1.0, Max LTV (purchase), Max LTV (cash-out)
  • Not comparable (not published)Min credit score, Min DSCR, No-ratio option, STR income method, First-time investors

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

Easy Street Capital lender pageCompare LendingOne and Easy Street Capital

LendSure Mortgage 6 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%; Max loan: $3M vs $2M
  • DifferentStates served: lists 5 states (AK, NV, ND, SD, DC) LendingOne doesn't, but not 1 state (NY) LendingOne lists
  • SameMin DSCR, DSCR below 1.0, Max LTV (cash-out)
  • Not comparable (not published)Min credit score, No-ratio option, Min loan, STR income method, First-time investors

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

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

LendingOne

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.