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NQM Funding alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with NQM Funding 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
17
Direct lenders compared
24
Checked
Oct 22, 2026

What NQM Funding publishes

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

NQM Funding published core terms
TermNQM Funding
Min credit score660source · Oct 22, 2026
Min DSCR0.75source · Oct 22, 2026
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionNot published
Max LTV (purchase)Not published
Max LTV (cash-out)Not published
Min loan$75Ksource · Oct 22, 2026
Max loan$3Msource · Oct 22, 2026
STR income method12-month historysource · Oct 19, 2026
First-time investorsYessource · Oct 22, 2026
States servedLicensed in 49 states/DCsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than NQM Funding 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.

A&D Mortgage 3 more flexible · 3 same · 6 compared

A&D Mortgage compared with NQM Funding on terms both publish
TermNQM FundingA&D Mortgagevs NQM Funding
Min credit score660620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
Min loan$75K$75Ksource · Oct 22, 2026same
Max loan$3M$3Msource · Oct 22, 2026same
STR income method12-month historyEithersource · Oct 22, 2026more flexible
States servedLicensed in 49 states/DCLicensed in 50 states/DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, Max LTV (purchase), Max LTV (cash-out), First-time investors.

A&D Mortgage lender pageCompare NQM Funding and A&D Mortgage

LendSure Mortgage 2 more flexible · 4 same · 6 compared

LendSure Mortgage compared with NQM Funding on terms both publish
TermNQM FundingLendSure Mortgagevs NQM Funding
Min credit score660660source · Oct 22, 2026same
Min DSCR0.750.75source · Oct 22, 2026same
DSCR below 1.0YesYessource · Oct 22, 2026same
Max loan$3M$3Msource · Oct 22, 2026same
STR income method12-month historyEithersource · Oct 19, 2026more flexible
States servedLicensed in 49 states/DCLicensed in 50 states/DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): No-ratio option, Max LTV (purchase), Max LTV (cash-out), Min loan, First-time investors.

LendSure Mortgage lender pageCompare NQM Funding and LendSure Mortgage

More flexible on some terms

More flexible than NQM Funding 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 17.

Newfi Wholesale 8 terms compared

  • More flexibleMin credit score: 640 vs 660; STR income method: Either vs 12-month history
  • Less flexibleMin DSCR: 1.00 vs 0.75; DSCR below 1.0: No vs Yes; Min loan: $125K vs $75K
  • DifferentStates served: lists 1 state (HI) NQM Funding doesn't, but not 1 state (MA) NQM Funding lists
  • SameMax loan, First-time investors
  • Not comparable (not published)No-ratio option, Max LTV (purchase), Max LTV (cash-out)

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

Newfi Wholesale lender pageCompare NQM Funding and Newfi Wholesale

Defy Mortgage 8 terms compared

  • More flexibleSTR income method: Either vs 12-month history
  • Less flexibleMin credit score: 720 vs 660; Min DSCR: 1.15 vs 0.75; DSCR below 1.0: No vs Yes; Max loan: $2.5M vs $3M; First-time investors: No vs Yes
  • DifferentStates served: lists 2 states (HI, NY) NQM Funding doesn't, but not 11 states NQM Funding lists
  • SameMin loan
  • Not comparable (not published)No-ratio option, Max LTV (purchase), Max LTV (cash-out)

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

Defy Mortgage lender pageCompare NQM Funding and Defy Mortgage

New Silver 8 terms compared

  • More flexibleSTR income method: Either vs 12-month history
  • Less flexibleMin DSCR: 1.15 vs 0.75; DSCR below 1.0: No vs Yes; Min loan: $150K vs $75K
  • DifferentStates served: lists 2 states (HI, NY) NQM Funding doesn't, but not 9 states NQM Funding lists
  • SameMin credit score, Max loan, First-time investors
  • Not comparable (not published)No-ratio option, Max LTV (purchase), Max LTV (cash-out)

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

New Silver lender pageCompare NQM Funding and New Silver

Quickline Capital 8 terms compared

  • More flexibleSTR income method: Projection vs 12-month history
  • Less flexibleMin loan: $100K vs $75K; Max loan: $2M vs $3M
  • DifferentStates served: lists 2 states (HI, NY) NQM Funding doesn't, but not 1 state (DC) NQM Funding lists
  • SameMin credit score, Min DSCR, DSCR below 1.0, First-time investors
  • Not comparable (not published)No-ratio option, Max LTV (purchase), Max LTV (cash-out)

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

Quickline Capital lender pageCompare NQM Funding and Quickline Capital

Griffin Funding 7 terms compared

  • More flexibleMin credit score: 620 vs 660; Max loan: $4.5M vs $3M; STR income method: Either vs 12-month history; States served: All 50 states + DC vs Licensed in 49 states/DC
  • Less flexibleMin loan: $100K vs $75K
  • SameDSCR below 1.0, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (purchase), Max LTV (cash-out)

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

Griffin Funding lender pageCompare NQM Funding and Griffin Funding

theLender 7 terms compared

  • More flexibleMin credit score: 620 vs 660; Max loan: $3.5M vs $3M; STR income method: Either vs 12-month history; States served: Licensed in 50 states/DC vs Licensed in 49 states/DC
  • Less flexibleMin loan: $100K vs $75K
  • SameDSCR below 1.0, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (purchase), Max LTV (cash-out)

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

theLender lender pageCompare NQM Funding and theLender

Easy Street Capital 7 terms compared

  • More flexibleMin credit score: 640 vs 660; Max loan: $3.5M vs $3M; STR income method: Either vs 12-month history
  • Less flexibleMin loan: $100K vs $75K
  • DifferentStates served: lists 2 states (HI, NY) NQM Funding doesn't, but not 2 states (ND, SD) NQM Funding lists
  • SameDSCR below 1.0, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (purchase), Max LTV (cash-out)

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

Easy Street Capital lender pageCompare NQM Funding and Easy Street Capital

1st Nationwide Mortgage 7 terms compared

  • More flexibleMin credit score: 640 vs 660; STR income method: Either vs 12-month history
  • Less flexibleMin DSCR: 1.00 vs 0.75; Min loan: $100K vs $75K; Max loan: $1.5M vs $3M; States served: 42 states/DC listed vs Licensed in 49 states/DC
  • SameDSCR below 1.0
  • Not comparable (not published)No-ratio option, Max LTV (purchase), Max LTV (cash-out), First-time investors

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

1st Nationwide Mortgage lender pageCompare NQM Funding 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 NQM Funding counts booking history only, and a state list that includes all of NQM Funding's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

NQM Funding

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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.