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STR DSCR lending statistics (2026)

The published terms of the 28 direct lenders we track, in numbers. Every figure is computed from the lenders' own pages and program documents, each with a checked date. When a lender doesn't publish a figure, it is left out of the math and counted as not published. Referral sources are not counted.

Direct lenders
28
Accept projected STR income
20

of 23 that publish a method

Median min credit
660

23 of 28 publish it

Latest figure checked
Oct 29, 2026

The numbers

"As of" is the latest checked date among the lenders behind each figure. Medians of an even number of figures are the average of the middle two. Published minimums and maximums are best cases that usually need top credit.

STR DSCR lending statistics computed from direct lenders' published terms
StatisticValueWho publishes itHow it's computedAs of
Accept projected STR incomeSee the lenders · Compare 20 lenders 23 of 28 publish an STR income method Lenders whose published STR income method is Projection or Either (no booking history needed), counted over those that publish a method.
Minimum credit scoreLow-credit list Median 660 Lowest: 620 (A&D Mortgage, Griffin Funding, Lendmire +1 more)Highest: 720 (Defy Mortgage) 23 of 28 publish it Median, lowest and highest of the published minimum credit scores.
Minimum DSCRBelow-1.0 list · No-ratio list 0.75–1.30 Lowest: 0.75 (HomeAbroad, LendingOne, LendSure Mortgage +2 more)Highest: 1.30 (Lima One Capital) 15 publish that they allow a DSCR below 1.0 (21 of 28 publish a policy); 9 publish a no-ratio option (13 of 28 publish a policy). Median 1.00. 16 of 28 publish it Range of the published minimum DSCRs; below-1.0 and no-ratio counts are lenders that publish "yes".
Max LTV, purchaseHigh-LTV list Median 80% Highest: 85% (Angel Oak Mortgage Solutions, Griffin Funding, LendSure Mortgage +2 more) 26 of 28 publish it Median and highest of the published maximum purchase LTVs (100% minus LTV is the smallest down payment).
Loan sizeSmall-loan list · Large-loan list $75K to $30M Lowest min loan: $75K (A&D Mortgage, Defy Mortgage, Lima One Capital +2 more)Highest max loan: $30M (Truss Financial Group) Median minimum $100K, median maximum $3M. 22 of 28 publish a minimum, 22 of 28 a maximum Lowest published minimum loan and highest published maximum loan, with the medians of each.
Publish a prepayment penalty structurePrepay calculator 15 lenders 15 of 28 publish it Lenders whose pages state their prepayment terms (a step-down schedule, a no-penalty option or similar).
Lender term changes recorded in 2026Change log 24 Across 14 of 28 lenders Change-log entries dated this year for direct lenders. Gap-fills, our own corrections, editorial notes and entries with no change in value are left out.
What investors paid, HMDA 2025Real rates 6.75%–7.625% Median note rate 7.125%. Public loan records, not a quote, and not limited to the lenders above. 5,182 DSCR-style loans in 28 STR counties Middle half (25th to 75th percentile) of note rates on DSCR-style investor loans in public HMDA records.

Every lender's figure, with its source link, is on its lender page and side by side on Compare lenders. Ranges by requirement, with each lender's value: DSCR loan requirements. Raw data: open data (CSV, JSON). How figures are collected: methodology.

History

Tracking started October 2026; month-over-month changes will show here.

Cite this page

STR Lender Watch, "STR DSCR Lending Statistics", https://strlenderwatch.com/stats/, accessed Oct 30, 2026.

Figures update with each build as lenders change their published terms. The underlying dataset is CC BY 4.0; see Cite this data.

Lender lists

Data

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.