DSCR lenders for short-term rentals in Washington
16 lenders say they lend in Washington. 6 more are licensed in Washington but don't publish a separate DSCR state list. Another 5 finance STRs but don't publish a state list, so confirm with them.
- Confirmed in WA
- 16
- Licensed in WA
- 6
- Not itemized
- 5
- Last verified
- Oct 19, 2026
Lenders that list Washington in their coverage
| Serves WA? | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 1st Nationwide MortgageMortgage company | Either | 1.00 | <1.0 | 640 | 80%/75% | $100K | Not published | Yes | |
| Acra LendingWholesale | 12-month history | Not published | <1.0No-ratio | 640 | 75%/70% | $100K | Not published | Yes | |
| America MortgagesDirect lender and broker (150+ lenders) | Either | Not published | <1.0No-ratio | Not published | 80%/75% | $100K | Yes | Yes | |
| Certain LendingDirect lender | Either | Not published | Not published | 700 | 75%/70% | $150K | Not published | Yes | |
| CoreVest FinanceDirect lender | Not published | Not published | Not published | Not published | 70%/Not published | $500K | No | Yes | |
| Defy MortgageDirect lender | Either | 1.15 | No | 720 | 75%/75% | $75K | No | Yes | |
| Dominion FinancialDirect lender | Not published | Not published | Not published | 680 | 80%/75% | Not published | Not published | Yes | |
| Easy Lending USAReferral source to lending partners | Either | 1.00 | No | 680 | 85%/75% | $100K | Not published | Yes | |
| Easy Street CapitalDirect lender | Either | Not published | <1.0 | 640 | 80%/75% | $100K | Yes | Yes | |
| Griffin FundingDirect lender (consumer-direct) | Either | Not published | <1.0No-ratio | 620 | 85%/80% | $100K | Yes | Yes | |
| KiaviDirect lender | Not published | 0.80 | <1.0 | Not published | 80%/Not published | Not published | Yes | Yes | |
| LendingOneDirect lender | Not published | 0.75 | <1.0 | Not published | 80%/75% | $85K | Not published | Yes | |
| Lima One CapitalDirect lender | Projection | 1.30 | No | 700 | 75%/70% | $75K | Not published | Yes | |
| New SilverDirect lender | Either | 1.15 | No | 660 | 80%/Not published | $150K | Yes | Yes | |
| Quickline CapitalLender | Projection | 0.75 | <1.0 | 660 | 80%/75% | $100K | Yes | Yes | |
| Visio LendingDirect lender | Either | Not published | Not published | 680 | 80%/Not published | $75K | Not published | Yes |
No lenders match those filters. Lenders publish few hard cutoffs, so try loosening one.
— not published on the lender's pages we checked, so we leave it blank rather than guess. LTVs are the lender's stated maximums, which usually need top credit; STR programs often have stricter limits. Verified dates link to the lender's own page.
Lenders licensed in Washington
These lenders publish the states they hold mortgage licenses in, including Washington, but not a separate list of where they make DSCR or STR loans. Confirm with the lender.
| Serves WA? | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| A&D MortgageWholesale / correspondent | Either | Not published | <1.0No-ratio | 620 | 80%/Not published | Not published | Yes | Licensed there | |
| Angel Oak Mortgage SolutionsWholesale (via approved mortgage professionals) | Projection | Not published | <1.0No-ratio | 680 | 85%/Not published | $100K | Not published | Licensed there | |
| LendSure MortgageWholesale | Either | 0.75 | <1.0No-ratio | 660 | 85%/75% | Not published | Not published | Licensed there | |
| Newfi WholesaleWholesale | Either | 1.00 | No | 640 | 75%/75% | $125K | Yes | Licensed there | |
| NQM FundingWholesale | 12-month history | Not published | Not published | 660 | Not published/Not published | $75K | Yes | Licensed there | |
| theLenderDirect and broker | Projection | Not published | <1.0 | Not published | 85%/75% | $100K | Not published | Licensed there |
No lenders match those filters. Lenders publish few hard cutoffs, so try loosening one.
— not published on the lender's pages we checked, so we leave it blank rather than guess. LTVs are the lender's stated maximums, which usually need top credit; STR programs often have stricter limits. Verified dates link to the lender's own page.
STR-friendly lenders that don't itemize states
These lenders finance short-term rentals but their pages don't list every state they serve. Ask before you apply.
| Serves WA? | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| LendmireMortgage brokerage | Either | 1.00 | <1.0No-ratio | 620 | 75%/75% | Not published | Not published | Not itemized | |
| Logan FinanceWholesale / correspondent | 12-month history | 1.00 | No | 700 | 75%/70% | $150K | No | Not itemized | |
| The Mortgage ShopMortgage broker (referral source) | Not published | 1.00 | <1.0No-ratio | 680 | 80%/Not published | Not published | Not published | Not itemized | |
| Truss Financial GroupLender/broker | Not published | Not published | Not published | 650 | Not published/Not published | $100K | Not published | Not itemized | |
| Uncapco FinancialLender | Either | Not published | Not published | 660 | 80%/75% | $100K | Not published | Not itemized |
No lenders match those filters. Lenders publish few hard cutoffs, so try loosening one.
— not published on the lender's pages we checked, so we leave it blank rather than guess. LTVs are the lender's stated maximums, which usually need top credit; STR programs often have stricter limits. Verified dates link to the lender's own page.
Before you finance an STR in Washington
Lenders generally fund short-term rentals only where they are legal. Some, like Logan Finance, run a compliance report to confirm STRs are allowed in the state, city and county. Check local permit and zoning rules for your city before you go under contract. Then compare how each lender counts STR income: a projection-based lender can qualify a purchase with no booking history, while a history-only lender will use long-term market rent until you have 12 months of bookings.
Washington STR lender questions, answered from published data
Which DSCR lenders publish short-term rental coverage in Washington?
15 of the 25 direct lenders we track list Washington in their published coverage: 1st Nationwide Mortgage, Acra Lending, America Mortgages, Certain Lending, CoreVest Finance, Defy Mortgage, Dominion Financial, Easy Street Capital, Griffin Funding, Kiavi, LendingOne, Lima One Capital, New Silver, Quickline Capital and Visio Lending. 6 more (A&D Mortgage, Angel Oak Mortgage Solutions, LendSure Mortgage, Newfi Wholesale, NQM Funding and theLender) publish that they are licensed in Washington but not a separate DSCR state list. 4 don't itemize states. Checked Oct 18, 2026 to Oct 19, 2026.
Which lenders in Washington can qualify an Airbnb with no booking history?
Of the lenders that list or are licensed in Washington, 15 publish that they can count projected STR income (for example AirDNA or an appraiser STR analysis): 1st Nationwide Mortgage, America Mortgages, Certain Lending, Defy Mortgage, Easy Street Capital, Griffin Funding, Lima One Capital, New Silver, Quickline Capital, Visio Lending, A&D Mortgage, Angel Oak Mortgage Solutions, LendSure Mortgage, Newfi Wholesale and theLender. 2 count STR income only from booking history and 4 don't publish a method.
What is the lowest minimum credit score published by lenders in Washington?
620, published by Griffin Funding and A&D Mortgage. 16 of the 21 lenders that list or are licensed in Washington publish a minimum credit score; 5 don't.
What is the highest published max LTV for an STR purchase in Washington?
85% (15% down), published by Griffin Funding, Angel Oak Mortgage Solutions, LendSure Mortgage and theLender. 20 of the 21 lenders that list or are licensed in Washington publish a max purchase LTV; 1 doesn't.
Can I get a DSCR below 1.0 or a no-ratio loan in Washington?
12 lenders that list or are licensed in Washington publish a below-1.0 DSCR or no-ratio option: 1st Nationwide Mortgage, Acra Lending, America Mortgages, Easy Street Capital, Griffin Funding, Kiavi, LendingOne, Quickline Capital, A&D Mortgage, Angel Oak Mortgage Solutions, LendSure Mortgage and theLender. The rest either say they don't or don't publish a policy.
Related
Head-to-head comparisons
- Acra Lending vs Easy Street Capital
- Acra Lending vs Griffin Funding
- Acra Lending vs Lima One Capital
- Defy Mortgage vs Easy Street Capital
- Defy Mortgage vs New Silver
- Easy Street Capital vs Griffin Funding
- Griffin Funding vs Lima One Capital
- Lima One Capital vs New Silver
- Lima One Capital vs Quickline Capital
- New Silver vs Quickline Capital
- 1st Nationwide Mortgage vs Griffin Funding
- 1st Nationwide Mortgage vs Lima One Capital
- Acra Lending vs Certain Lending
Lender lists (lenders that list WA)
- Where the 10-year Treasury moved and what it means for STR loan pricing
- Lender term changes flagged on the lenders' own pages
- A short, plain-English STR financing explainer
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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.