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

Other direct lenders we track, compared with Lendmire 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
4
More flexible on some terms
15
Direct lenders compared
24
Checked
Oct 22, 2026

What Lendmire publishes

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

Lendmire published core terms
TermLendmire
Min credit score620source · Oct 22, 2026
Min DSCR1.00source · Oct 22, 2026
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionYessource · Oct 22, 2026
Max LTV (purchase)75%source · Oct 22, 2026
Max LTV (cash-out)70%source · Oct 22, 2026
Min loanNot published
Max loan$3Msource · Oct 22, 2026
STR income methodEithersource · Oct 22, 2026
First-time investorsNot published
States servedNot itemizedlender sources · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Lendmire 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.

Griffin Funding 3 more flexible · 4 same · 7 compared

Griffin Funding compared with Lendmire on terms both publish
TermLendmireGriffin Fundingvs Lendmire
Min credit score620620source · Oct 22, 2026same
DSCR below 1.0YesYessource · Oct 22, 2026same
No-ratio optionYesYessource · Oct 22, 2026same
Max LTV (purchase)75%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
Max loan$3M$4.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same

Not comparable (not published by one or both): Min DSCR, Min loan, First-time investors, States served.

Griffin Funding lender pageCompare Lendmire and Griffin Funding

theLender 3 more flexible · 3 same · 6 compared

theLender compared with Lendmire on terms both publish
TermLendmiretheLendervs Lendmire
Min credit score620620source · Oct 22, 2026same
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)75%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)70%75%source · Oct 22, 2026more flexible
Max loan$3M$3.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same

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

theLender lender pageCompare Lendmire and theLender

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

A&D Mortgage compared with Lendmire on terms both publish
TermLendmireA&D Mortgagevs Lendmire
Min credit score620620source · Oct 22, 2026same
DSCR below 1.0YesYessource · Oct 22, 2026same
No-ratio optionYesYessource · Oct 22, 2026same
Max LTV (purchase)75%80%source · Oct 22, 2026more flexible
Max loan$3M$3Msource · Oct 22, 2026same
STR income methodEitherEithersource · Oct 22, 2026same

Not comparable (not published by one or both): Min DSCR, Max LTV (cash-out), Min loan, First-time investors, States served.

A&D Mortgage lender pageCompare Lendmire and A&D Mortgage

Kiavi 2 more flexible · 1 same · 3 compared

Kiavi compared with Lendmire on terms both publish
TermLendmireKiavivs Lendmire
Min DSCR1.000.80source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)75%80%source · 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, First-time investors, States served.

Kiavi lender pageCompare Lendmire and Kiavi

More flexible on some terms

More flexible than Lendmire 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 15.

LendSure Mortgage 8 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00; Max LTV (purchase): 85% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMin credit score: 660 vs 620
  • SameDSCR below 1.0, No-ratio option, Max loan, STR income method
  • Not comparable (not published)Min loan, First-time investors, States served

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

LendSure Mortgage lender pageCompare Lendmire and LendSure Mortgage

Newfi Wholesale 8 terms compared

  • More flexibleMax LTV (cash-out): 75% vs 70%
  • Less flexibleMin credit score: 640 vs 620; DSCR below 1.0: No vs Yes; No-ratio option: No vs Yes
  • SameMin DSCR, Max LTV (purchase), Max loan, STR income method
  • Not comparable (not published)Min loan, First-time investors, States served

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

Newfi Wholesale lender pageCompare Lendmire and Newfi Wholesale

Quickline Capital 7 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00; Max LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMin credit score: 660 vs 620; Max loan: $2M vs $3M
  • SameDSCR below 1.0, STR income method
  • Not comparable (not published)No-ratio option, Min loan, First-time investors, States served

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

Quickline Capital lender pageCompare Lendmire and Quickline Capital

1st Nationwide Mortgage 7 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMin credit score: 640 vs 620; Max loan: $1.5M vs $3M
  • SameMin DSCR, DSCR below 1.0, STR income method
  • Not comparable (not published)No-ratio option, Min loan, First-time investors, States served

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

1st Nationwide Mortgage lender pageCompare Lendmire and 1st Nationwide Mortgage

America Mortgages 7 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMin credit score: 680 vs 620
  • SameDSCR below 1.0, No-ratio option, Max loan, STR income method
  • Not comparable (not published)Min DSCR, Min loan, First-time investors, States served

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

America Mortgages lender pageCompare Lendmire and America Mortgages

Defy Mortgage 7 terms compared

  • More flexibleMax LTV (cash-out): 75% vs 70%
  • Less flexibleMin credit score: 720 vs 620; Min DSCR: 1.15 vs 1.00; DSCR below 1.0: No vs Yes; Max loan: $2.5M vs $3M
  • SameMax LTV (purchase), STR income method
  • Not comparable (not published)No-ratio option, Min loan, First-time investors, States served

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

Defy Mortgage lender pageCompare Lendmire and Defy Mortgage

New Silver 7 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%
  • Less flexibleMin credit score: 660 vs 620; Min DSCR: 1.15 vs 1.00; DSCR below 1.0: No vs Yes; No-ratio option: No vs Yes
  • SameMax loan, STR income method
  • Not comparable (not published)Max LTV (cash-out), Min loan, First-time investors, States served

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

New Silver lender pageCompare Lendmire and New Silver

Easy Street Capital 6 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%; Max loan: $3.5M vs $3M
  • Less flexibleMin credit score: 640 vs 620
  • SameDSCR below 1.0, STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Min loan, First-time investors, States served

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

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

Lendmire

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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.