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

Other direct lenders we track, compared with Waltz 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
27
Checked
Oct 22–Oct 26, 2026

What Waltz publishes

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

Waltz published core terms
TermWaltz
Min credit scoreNot published
Min DSCR1.00source · Oct 26, 2026
DSCR below 1.0Not published
No-ratio optionNot published
Max LTV (purchase)85%source · Oct 26, 2026
Max LTV (cash-out)Not published
Min loanNot published
Max loanNot published
STR income methodProjectionsource · Oct 26, 2026
First-time investorsNot published
States served42 states/DC listedsource · Oct 26, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Waltz 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 1 more flexible · 2 same · 3 compared

Griffin Funding compared with Waltz on terms both publish
TermWaltzGriffin Fundingvs Waltz
Max LTV (purchase)85%85%source · Oct 22, 2026same
STR income methodProjectionEithersource · Oct 22, 2026same
States served42 states/DC listedAll 50 states + DCsource · Oct 22, 2026more flexible

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

Griffin Funding lender pageCompare Waltz and Griffin Funding

More flexible on some terms

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

LendSure Mortgage 4 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00
  • DifferentStates served: lists 9 states Waltz doesn't, but not 1 state (NY) Waltz lists
  • SameMax LTV (purchase), STR income method
  • Not comparable (not published)Min credit score, DSCR below 1.0, No-ratio option, Max LTV (cash-out), Min loan, Max loan, First-time investors

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

LendSure Mortgage lender pageCompare Waltz and LendSure Mortgage

Quickline Capital 4 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00
  • Less flexibleMax LTV (purchase): 80% vs 85%
  • DifferentStates served: lists 9 states Waltz doesn't, but not 1 state (DC) Waltz lists
  • SameSTR income method
  • Not comparable (not published)Min credit score, DSCR below 1.0, No-ratio option, Max LTV (cash-out), Min loan, Max loan, First-time investors

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

Quickline Capital lender pageCompare Waltz and Quickline Capital

Kiavi 3 terms compared

  • More flexibleMin DSCR: 0.80 vs 1.00; States served: All except UT vs 42 states/DC listed
  • Less flexibleMax LTV (purchase): 80% vs 85%
  • Not comparable (not published)Min credit score, DSCR below 1.0, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method, First-time investors

Values: Kiavi first, then Waltz. Sources and check dates are on each lender page.

Kiavi lender pageCompare Waltz and Kiavi

Easy Street Capital 3 terms compared

  • More flexibleStates served: All except ND, SD vs 42 states/DC listed
  • Less flexibleMax LTV (purchase): 80% vs 85%
  • SameSTR income method
  • Not comparable (not published)Min credit score, Min DSCR, DSCR below 1.0, No-ratio option, Max LTV (cash-out), Min loan, Max loan, First-time investors

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

Easy Street Capital lender pageCompare Waltz and Easy Street Capital

HomeAbroad 3 terms compared

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

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

HomeAbroad lender pageCompare Waltz and HomeAbroad

LendingOne 3 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00
  • Less flexibleMax LTV (purchase): 80% vs 85%
  • DifferentStates served: lists 6 states (CA, ID, MN, OR, UT, VT) Waltz doesn't, but not 2 states (AK, DC) Waltz lists
  • Not comparable (not published)Min credit score, DSCR below 1.0, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method, First-time investors

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

LendingOne lender pageCompare Waltz and LendingOne

NQM Funding 3 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00
  • Less flexibleSTR income method: 12-month history vs Projection
  • DifferentStates served: lists 9 states Waltz doesn't, but not 2 states (HI, NY) Waltz lists
  • Not comparable (not published)Min credit score, DSCR below 1.0, No-ratio option, Max LTV (purchase), Max LTV (cash-out), Min loan, Max loan, First-time investors

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

NQM Funding lender pageCompare Waltz and NQM Funding

Dominion Financial 2 terms compared

  • More flexibleStates served: All except NV vs 42 states/DC listed
  • Less flexibleMax LTV (purchase): 80% vs 85%
  • Not comparable (not published)Min credit score, Min DSCR, DSCR below 1.0, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method, First-time investors

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

Dominion Financial lender pageCompare Waltz and Dominion Financial

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

Waltz

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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.