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

Other direct lenders we track, compared with theLender 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
8
Direct lenders compared
24
Checked
Oct 22, 2026

What theLender publishes

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

theLender published core terms
TermtheLender
Min credit score620source · Oct 22, 2026
Min DSCRNot published
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionNot published
Max LTV (purchase)85%source · Oct 22, 2026
Max LTV (cash-out)75%source · Oct 22, 2026
Min loan$100Ksource · Oct 22, 2026
Max loan$3.5Msource · Oct 22, 2026
STR income methodEithersource · Oct 22, 2026
First-time investorsYessource · Oct 22, 2026
States servedLicensed in 50 states/DCsource · Oct 19, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than theLender 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 2 more flexible · 7 same · 9 compared

Griffin Funding compared with theLender on terms both publish
TermtheLenderGriffin Fundingvs theLender
Min credit score620620source · Oct 22, 2026same
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)85%85%source · Oct 22, 2026same
Max LTV (cash-out)75%75%source · Oct 22, 2026same
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$3.5M$4.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedLicensed in 50 states/DCAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option.

Griffin Funding lender pageCompare theLender and Griffin Funding

More flexible on some terms

More flexible than theLender on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off.

Defy Mortgage 9 terms compared

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

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

Defy Mortgage lender pageCompare theLender and Defy Mortgage

Lima One Capital 8 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMin credit score: 660 vs 620; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 85%; Max LTV (cash-out): 70% vs 75%; Max loan: $2.5M vs $3.5M
  • DifferentStates served: lists 1 state (NY) theLender doesn't, but not 4 states (AK, ND, SD, VT) theLender lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, No-ratio option, First-time investors

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

Lima One Capital lender pageCompare theLender and Lima One Capital

A&D Mortgage 7 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMax LTV (purchase): 80% vs 85%; Max loan: $3M vs $3.5M
  • DifferentStates served: lists 1 state (NY) theLender doesn't, but not 1 state (HI) theLender lists
  • SameMin credit score, DSCR below 1.0, STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors

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

A&D Mortgage lender pageCompare theLender and A&D Mortgage

NQM Funding 7 terms compared

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

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

NQM Funding lender pageCompare theLender and NQM Funding

LendingOne 6 terms compared

  • More flexibleMin loan: $85K vs $100K
  • Less flexibleMax LTV (purchase): 80% vs 85%; Max loan: $2M vs $3.5M
  • DifferentStates served: lists 1 state (NY) theLender doesn't, but not 5 states (AK, NV, ND, SD, DC) theLender lists
  • 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: LendingOne first, then theLender. Sources and check dates are on each lender page.

LendingOne lender pageCompare theLender and LendingOne

Uncapco Financial 6 terms compared

  • More flexibleMax loan: $5M vs $3.5M
  • Less flexibleMin credit score: 660 vs 620; Max LTV (purchase): 80% vs 85%
  • SameMax LTV (cash-out), Min loan, STR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, First-time investors, States served

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

Uncapco Financial lender pageCompare theLender and Uncapco Financial

Visio Lending 5 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMin credit score: 680 vs 620; Max LTV (purchase): 80% vs 85%
  • DifferentStates served: lists 1 state (NY) theLender doesn't, but not 9 states theLender lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, DSCR below 1.0, No-ratio option, Max LTV (cash-out), Max loan, First-time investors

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

Visio Lending lender pageCompare theLender and Visio Lending

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

theLender

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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

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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.