[ { "name": "Kiavi", "website": "https://www.kiavi.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "Homepage states lending in 49 states + DC (excluded state not listed on pages checked).", "min_fico": null, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": 0.8, "loan_min": 75000, "loan_max": 5000000, "prepay": "DSCR: no prepayment penalty after year 3. Fix-and-flip & bridge: no prepayment penalty.", "str": null, "foreign_national": null, "products": [ { "type": "dscr", "max_ltv": "80%", "min_dscr": "0.8x", "prepay": "None after year 3" }, { "type": "fix-flip", "loan_range": "$100K\u2013$5MM", "leverage": "Up to 95% LTC (FAQ) / up to 80% ARV, 100% of rehab", "prepay": "None" }, { "type": "bridge", "loan_range": "$75K\u2013$5MM", "leverage": "Up to 100% LTC / 80% ARV", "prepay": "None" } ], "notes": null, "source_urls": [ "https://www.kiavi.com/loans/dscr", "https://www.kiavi.com/loans/fix-and-flip", "https://www.kiavi.com/loans/bridge-loans" ], "date_checked": "2026-10-16", "slug": "kiavi", "data_completeness": 0.5 }, { "name": "LendingOne", "website": "https://lendingone.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "coverage_note": "Does not lend in AK, NV, ND, SD (site footer).", "min_fico": null, "max_purchase_ltv": 80, "max_cashout_ltv": 75, "min_dscr": 0.75, "loan_min": 85000, "loan_max": 3000000, "prepay": "DSCR: 0 to 5-year options. Fix-and-flip: none.", "str": true, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$85K\u2013$2M", "max_ltv": "80% purchase / 75% cash-out", "min_dscr": "0.75x", "prepay": "0\u20135 years" }, { "type": "fix-flip", "loan_range": "$100K\u2013$3M", "leverage": "Up to 92.5% LTC, 100% rehab", "prepay": "None" } ], "notes": null, "source_urls": [ "https://lendingone.com/loan-types/dscr-rental-loans/", "https://lendingone.com/loan-types/fix-and-flip-loans/" ], "date_checked": "2026-10-16", "slug": "lendingone", "data_completeness": 0.67 }, { "name": "Lima One Capital", "website": "https://www.limaone.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": [ "AL", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "UT", "VA", "WA", "WV", "WI", "WY", "DC" ], "coverage_note": "Does not lend in AK, ND, SD, VT (site footer).", "min_fico": null, "max_purchase_ltv": 80, "max_cashout_ltv": 75, "min_dscr": 1.0, "loan_min": 100000, "loan_max": 5000000, "prepay": "Rental: prepayment options; pay higher fee/rate for low or no prepay.", "str": true, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$100K\u2013$2.5M", "max_ltv": "80% purchase & rate/term / 75% cash-out", "min_dscr": "1.0x" }, { "type": "str", "min_fico": 700, "max_ltv": "75% purchase / 70% cash-out", "min_dscr": "1.3x" }, { "type": "fix-flip", "loan_range": "$100K\u2013$5M", "leverage": "Up to 95% LTC, 75% LTARV" } ], "notes": "Min FICO 700 is stated for the short-term rental program; standard rental FICO not stated on page checked.", "source_urls": [ "https://www.limaone.com/rental/detail/", "https://www.limaone.com/hard-money-fix-n-flip/detail/" ], "date_checked": "2026-10-16", "slug": "lima-one-capital", "data_completeness": 0.67 }, { "name": "RCN Capital", "website": "https://rcncapital.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "Describes itself as a nationwide private, direct lender.", "min_fico": 650, "max_purchase_ltv": 80, "max_cashout_ltv": 75, "min_dscr": 1.0, "loan_min": 70000, "loan_max": 3000000, "prepay": "Fix-and-flip: N/A (none).", "str": null, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$70K\u2013$1.5M", "min_fico": 660, "max_ltv": "80% purchase / 75% cash-out", "min_dscr": "1.00x" }, { "type": "fix-flip", "loan_range": "$75K\u2013$2M (1\u20134 units); $250K\u2013$3M (5+)", "min_fico": 650, "leverage": "Up to 100% purchase + 100% rehab, max 75% ARV", "prepay": "N/A" }, { "type": "bridge", "loan_range": "$250K\u2013$2M (multifamily)", "min_fico": 650, "max_ltv": "75% purchase / 70% refi / 65% cash-out" } ], "notes": null, "source_urls": [ "https://rcncapital.com/loan-programs" ], "date_checked": "2026-10-16", "slug": "rcn-capital", "data_completeness": 0.67 }, { "name": "theLender", "website": "https://thelender.com", "loan_types": [ "dscr" ], "channel": "Direct to investors", "states": null, "coverage_note": "Homepage: licensed in 48 states.", "min_fico": null, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": 100000, "loan_max": 3500000, "prepay": null, "str": true, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$100K\u2013$3.5M (standard LTR)" }, { "type": "str" } ], "notes": null, "source_urls": [ "https://retail.thelender.com/dscr-investor-loan" ], "date_checked": "2026-10-16", "slug": "thelender", "data_completeness": 0.33 }, { "name": "Visio Lending", "website": "https://visiolending.com", "loan_types": [ "dscr" ], "channel": "Direct to investors", "states": null, "coverage_note": "Describes nationwide DSCR lending.", "min_fico": 680, "max_purchase_ltv": 85, "max_cashout_ltv": null, "min_dscr": null, "loan_min": null, "loan_max": null, "prepay": null, "str": true, "foreign_national": false, "products": [ { "type": "dscr", "min_fico": 680, "max_ltv": "85% purchase" } ], "notes": "Visio states it does not lend to foreign nationals or non-permanent resident aliens.", "source_urls": [ "https://visiolending.com/", "https://visiolending.com/lending-process/" ], "date_checked": "2026-10-16", "slug": "visio-lending", "data_completeness": 0.67 }, { "name": "Griffin Funding", "website": "https://griffinfunding.com", "loan_types": [ "dscr" ], "channel": "Direct to investors", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "coverage_note": "Originates DSCR loans in all 50 states + DC.", "min_fico": 620, "max_purchase_ltv": 85, "max_cashout_ltv": 80, "min_dscr": "No minimum", "loan_min": 100000, "loan_max": 4500000, "prepay": "Most DSCR loans carry 1\u20135 year penalties; no-prepay options available.", "str": true, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$100K\u2013$4.5M", "min_fico": 620, "max_ltv": "85% purchase (15% down at 740+) / 80% cash-out", "min_dscr": "No minimum; no-ratio option" } ], "notes": "Foreign national lending offered as a separate program (site menu).", "source_urls": [ "https://griffinfunding.com/non-qm-mortgages/dscr-loans/" ], "date_checked": "2026-10-16", "slug": "griffin-funding", "data_completeness": 1.0 }, { "name": "Angel Oak Mortgage Solutions", "website": "https://angeloakms.com", "loan_types": [ "dscr" ], "channel": "Wholesale (through brokers)", "states": null, "coverage_note": null, "min_fico": 680, "max_purchase_ltv": 85, "max_cashout_ltv": null, "min_dscr": "Below 1.0 / no-DSCR options", "loan_min": 100000, "loan_max": 3000000, "prepay": null, "str": true, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$100K\u2013$3M", "min_fico": 680, "max_ltv": "75% at 680 FICO; 85% max at 720+", "min_dscr": "<1.0 and no-DSCR available" }, { "type": "foreign-national", "notes": "Investment property only; 1.0 DSCR typically required" } ], "notes": "Business-purpose loans offered through approved broker clients.", "source_urls": [ "https://angeloakms.com/programs/investor-cash-flow-mortgage-program/", "https://angeloakms.com/programs/foreign-national-mortgage-program/" ], "date_checked": "2026-10-16", "slug": "angel-oak-mortgage-solutions", "data_completeness": 0.83 }, { "name": "New Silver", "website": "https://newsilver.com", "loan_types": [ "dscr", "fix-flip" ], "channel": "Direct to investors", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "coverage_note": "Lists all 50 states + DC for rental loans.", "min_fico": 650, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": 0.75, "loan_min": 100000, "loan_max": 5000000, "prepay": null, "str": true, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$150K\u2013$3M", "min_fico": 660, "max_ltv": "80%", "min_dscr": "0.75x" }, { "type": "fix-flip", "loan_range": "$100K\u2013$5M", "min_fico": 650, "leverage": "Up to 90% LTC, up to 100% construction" } ], "notes": null, "source_urls": [ "https://newsilver.com/dscr-loan/", "https://newsilver.com/fix-and-flip-loans/" ], "date_checked": "2026-10-16", "slug": "new-silver", "data_completeness": 0.67 }, { "name": "Defy Mortgage", "website": "https://defymortgage.com", "loan_types": [ "dscr" ], "channel": "Direct to investors", "states": [ "AL", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MS", "MO", "MT", "NE", "NH", "NJ", "NM", "NY", "NC", "OH", "OK", "PA", "RI", "SC", "TN", "TX", "VA", "WA", "WV", "WI", "WY", "DC" ], "coverage_note": "Processes DSCR loans in all states except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT.", "min_fico": 640, "max_purchase_ltv": 85, "max_cashout_ltv": 80, "min_dscr": 0.75, "loan_min": null, "loan_max": null, "prepay": null, "str": null, "foreign_national": true, "products": [ { "type": "dscr", "min_fico": 640, "max_ltv": "85% SFR purchase / 80% R&T and cash-out", "min_dscr": "0.75x (\u22651.00 for cash-out)", "loan_range": "No hard maximum" } ], "notes": "States 'no hard maximum loan limit'; 85% LTV requires 740+ FICO.", "source_urls": [ "https://defymortgage.com/non-qm-loans/dscr-loans/" ], "date_checked": "2026-10-16", "slug": "defy-mortgage", "data_completeness": 0.5 }, { "name": "A&D Mortgage", "website": "https://admortgage.com", "loan_types": [ "dscr" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": null, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": "As low as 0 (no-ratio)", "loan_min": null, "loan_max": 3000000, "prepay": null, "str": true, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "Up to $3M", "min_dscr": "No-ratio available", "notes": "DSCR <1 requires 680 FICO; STR up to 80% CLTV" }, { "type": "foreign-national", "notes": "FICO 660 or no score; up to 75% CLTV purchase / 70% cash-out; up to $3M" } ], "notes": null, "source_urls": [ "https://admortgage.com/programs/dscr/" ], "date_checked": "2026-10-16", "slug": "a-d-mortgage", "data_completeness": 0.5 }, { "name": "Dominion Financial Services", "website": "https://dominionfinancialservices.com", "loan_types": [ "dscr", "bridge" ], "channel": "Direct to investors", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "coverage_note": "Available in all 50 states & DC.", "min_fico": 640, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": null, "loan_min": null, "loan_max": null, "prepay": "Declining prepayment penalty.", "str": true, "foreign_national": null, "products": [ { "type": "dscr", "min_fico": 640, "max_ltv": "Up to 80% (FAQ says 75% max, varies)", "prepay": "Declining" } ], "notes": "Page is internally inconsistent: FAQ says 640 min FICO and 75% max LTV; program highlights say 680+ FICO and up to 80% LTV.", "source_urls": [ "https://dominionfinancialservices.com/dscr-loans/" ], "date_checked": "2026-10-16", "slug": "dominion-financial-services", "data_completeness": 0.67 }, { "name": "Truss Financial Group", "website": "https://trussfinancialgroup.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": 620, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": null, "loan_max": null, "prepay": null, "str": null, "foreign_national": null, "products": [ { "type": "fix-flip", "min_fico": 620 }, { "type": "dscr", "notes": "Page says both 'no minimum DSCR' and 'a minimum DSCR of 1.2 is typically required'" } ], "notes": null, "source_urls": [ "https://trussfinancialgroup.com/loans/dscr-loans", "https://trussfinancialgroup.com/loans/fix-flip-loans" ], "date_checked": "2026-10-16", "slug": "truss-financial-group", "data_completeness": 0.17 }, { "name": "5th Street Capital", "website": "https://www.5thstcap.com", "loan_types": [ "dscr" ], "channel": "Wholesale (broker-facing)", "states": null, "coverage_note": null, "min_fico": 660, "max_purchase_ltv": 85, "max_cashout_ltv": 80, "min_dscr": "No-ratio option", "loan_min": 250000, "loan_max": 3500000, "prepay": null, "str": true, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$250K\u2013$3.5M", "min_fico": 660, "max_ltv": "85% purchase / 80% cash-out (to $1.0M); STR to 80%" }, { "type": "foreign-national", "loan_range": "$200K\u2013$3M" } ], "notes": null, "source_urls": [ "https://www.5thstcap.com/dscr", "https://www.5thstcap.com/foreign-national" ], "date_checked": "2026-10-16", "slug": "5th-street-capital", "data_completeness": 0.83 }, { "name": "Easy Street Capital", "website": "https://easystreetcap.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "DSCR in 48 states. Fix-and-flip excludes LA, MN, ND, SD and select metros (Baltimore, Chicago, Detroit).", "min_fico": 600, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": "No minimum", "loan_min": 75000, "loan_max": 5000000, "prepay": "Fix-and-flip: none.", "str": true, "foreign_national": null, "products": [ { "type": "str", "min_fico": 640, "min_dscr": "No minimum" }, { "type": "fix-flip", "loan_range": "$75K\u2013$5M+", "min_fico": 600, "leverage": "Up to 93% LTC, 90% purchase, 100% rehab, 75% ARV", "prepay": "None" } ], "notes": null, "source_urls": [ "https://easystreetcap.com/short-term-rentals/", "https://easystreetcap.com/easyfix/", "https://easystreetcap.com/dscr-loan-cash-out-refinance-guide/" ], "date_checked": "2026-10-16", "slug": "easy-street-capital", "data_completeness": 0.83 }, { "name": "Civic Financial Services", "website": "https://civicfs.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": 660, "max_purchase_ltv": 80, "max_cashout_ltv": 75, "min_dscr": null, "loan_min": 50000, "loan_max": 3000000, "prepay": null, "str": null, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$75K\u2013$2MM", "min_fico": 660, "max_ltv": "80% purchase & R/T / 75% cash-out", "notes": "Foreign nationals max 65% LTV; entity required" }, { "type": "fix-flip", "loan_range": "$50K\u2013$3MM", "leverage": "Up to 100% of rehab" }, { "type": "bridge", "min_fico": 660, "max_ltv": "70%" } ], "notes": null, "source_urls": [ "https://civicfs.com/rental/", "https://civicfs.com/fix-and-flip/", "https://civicfs.com/bridge-loans/" ], "date_checked": "2026-10-16", "slug": "civic-financial-services", "data_completeness": 0.67 }, { "name": "Roc Capital", "website": "https://roccapital.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": 660, "max_purchase_ltv": 80, "max_cashout_ltv": 75, "min_dscr": null, "loan_min": 50000, "loan_max": 3000000, "prepay": null, "str": null, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$75K\u2013$2MM", "min_fico": 660, "max_ltv": "80% purchase & R/T / 75% cash-out", "notes": "Foreign nationals 65% LTV" }, { "type": "fix-flip", "loan_range": "$50K\u2013$3MM", "leverage": "Up to 90% LTC, 75% ARLTV, 100% rehab" } ], "notes": "Roc Capital and Civic are both Roc360 brands; published terms are similar.", "source_urls": [ "https://roccapital.com/single-property-rentals", "https://roccapital.com/fix-and-flip" ], "date_checked": "2026-10-16", "slug": "roc-capital", "data_completeness": 0.67 }, { "name": "Archwest Capital", "website": "https://www.archwestcapital.com", "loan_types": [ "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "Describes financing fix-and-flip projects nationwide.", "min_fico": 680, "max_purchase_ltv": 80, "max_cashout_ltv": 75, "min_dscr": null, "loan_min": 150000, "loan_max": 5000000, "prepay": null, "str": null, "foreign_national": null, "products": [ { "type": "fix-flip", "loan_range": "$200K\u2013$5M+", "min_fico": 680, "leverage": "Up to 95% LTC; 92.5% of purchase, 100% rehab" }, { "type": "bridge", "loan_range": "$150K\u2013$5M+", "max_ltv": "80% / 75% cash-out" } ], "notes": "LTV fields reflect the bridge program (no DSCR program). $5M+ loans available.", "source_urls": [ "https://www.archwestcapital.com/products/", "https://www.archwestcapital.com/fix-flip/" ], "date_checked": "2026-10-16", "slug": "archwest-capital", "data_completeness": 0.5 }, { "name": "Center Street Lending", "website": "https://www.centerstreetlending.com", "loan_types": [ "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "States 'lending throughout the United States'; other states case-by-case.", "min_fico": 650, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": null, "loan_min": 200000, "loan_max": 10000000, "prepay": null, "str": null, "foreign_national": null, "products": [ { "type": "fix-flip", "loan_range": "$200K\u2013$5MM", "min_fico": 650, "leverage": "Up to 95% LTC" }, { "type": "bridge", "loan_range": "$200K\u2013$10MM", "min_fico": 650, "max_ltv": "80% purchase / 80% LTC" } ], "notes": "LTV fields reflect the bridge program.", "source_urls": [ "https://www.centerstreetlending.com/loans/fix-and-flip", "https://www.centerstreetlending.com/loans/bridge" ], "date_checked": "2026-10-16", "slug": "center-street-lending", "data_completeness": 0.5 }, { "name": "Express Capital Financing", "website": "https://expresscapitalfinancing.com", "loan_types": [ "dscr", "fix-flip" ], "channel": "Direct to investors", "states": null, "coverage_note": "DSCR nationwide. Fix-and-flip nationwide except ND, SD, NV, AZ.", "min_fico": 600, "max_purchase_ltv": 85, "max_cashout_ltv": 75, "min_dscr": "1.0x (no-DSCR option)", "loan_min": 50000, "loan_max": 3000000, "prepay": "DSCR options: none, 1-0-0, 3-0-0, 3-2-1, 5-4-3-2-1. Fix-and-flip: none.", "str": true, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$50K\u2013$3M", "min_fico": 650, "max_ltv": "85% purchase / 80% R&T / 75% cash-out", "min_dscr": "1.0x (no-DSCR available)", "prepay": "None, 1-0-0, 3-0-0, 3-2-1, 5-4-3-2-1" }, { "type": "fix-flip", "min_fico": 600, "leverage": "Up to 90% acquisition, 100% renovation", "prepay": "None" } ], "notes": null, "source_urls": [ "https://expresscapitalfinancing.com/loan-programs/dscr-loans/", "https://expresscapitalfinancing.com/loan-programs/fix-and-flip-loans/" ], "date_checked": "2026-10-16", "slug": "express-capital-financing", "data_completeness": 1.0 }, { "name": "Stratton Equities", "website": "https://www.strattonequities.com", "loan_types": [ "dscr", "fix-flip", "bridge", "hard-money" ], "channel": "Direct to investors", "states": null, "coverage_note": "Describes itself as a nationwide private money and non-QM lender.", "min_fico": 600, "max_purchase_ltv": 85, "max_cashout_ltv": null, "min_dscr": null, "loan_min": 100000, "loan_max": 5000000, "prepay": "DSCR: no-prepayment-penalty option available.", "str": null, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$100K\u2013$5M", "min_fico": 600, "max_ltv": "Up to 85%", "prepay": "No-PPP option" }, { "type": "fix-flip", "loan_range": "$100K\u2013$5M", "leverage": "Up to 90% purchase, 100% rehab, 75% ARV" } ], "notes": "DSCR page: 'credit scores above 600 are qualified'.", "source_urls": [ "https://www.strattonequities.com/dscr-loan-program", "https://www.strattonequities.com/fix-and-flip-lender" ], "date_checked": "2026-10-16", "slug": "stratton-equities", "data_completeness": 0.83 }, { "name": "Park Place Finance", "website": "https://parkplacefinance.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "Lends in 46 states (specific states not listed in text).", "min_fico": 660, "max_purchase_ltv": 85, "max_cashout_ltv": 75, "min_dscr": 0.75, "loan_min": 100000, "loan_max": 5000000, "prepay": "Rental: no-PPP options. Bridge: no prepayment penalty.", "str": true, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$100K\u2013$5M", "min_fico": 660, "max_ltv": "85% purchase / 75% cash-out", "min_dscr": "0.75x", "prepay": "No-PPP options" }, { "type": "bridge", "loan_range": "$100K\u2013$5M", "min_fico": 660, "leverage": "Up to 80% LTC", "prepay": "None" }, { "type": "fix-flip", "leverage": "Up to 93% LTC, 75% ARV" } ], "notes": null, "source_urls": [ "https://parkplacefinance.com/rental/", "https://parkplacefinance.com/bridge/" ], "date_checked": "2026-10-16", "slug": "park-place-finance", "data_completeness": 0.83 }, { "name": "Noble Mortgage", "website": "https://noblemortgage.com", "loan_types": [ "fix-flip", "hard-money" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": 650, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": 50000, "loan_max": 2000000, "prepay": null, "str": null, "foreign_national": null, "products": [ { "type": "fix-flip", "loan_range": "$50K\u2013$2M", "leverage": "Up to 100% LTC, 75% ARV", "notes": "BRRRR rental-rehab loan; 650 credit typically required for long-term refinance" } ], "notes": null, "source_urls": [ "https://noblemortgage.com/loan-types/rental-property-loans/" ], "date_checked": "2026-10-16", "slug": "noble-mortgage", "data_completeness": 0.5 }, { "name": "Socotra Capital", "website": "https://www.socotracapital.com", "loan_types": [ "fix-flip", "bridge", "hard-money" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": null, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": 100000, "loan_max": 20000000, "prepay": "Fix-and-flip: no prepayment penalties.", "str": null, "foreign_national": null, "products": [ { "type": "fix-flip", "loan_range": "$100K\u2013$20M", "prepay": "None" }, { "type": "bridge", "loan_range": "$100K\u2013$20M" } ], "notes": null, "source_urls": [ "https://www.socotracapital.com/loan-options/fix-and-flip", "https://www.socotracapital.com/loan-options/bridge-loans" ], "date_checked": "2026-10-16", "slug": "socotra-capital", "data_completeness": 0.33 }, { "name": "Longleaf Lending", "website": "https://longleaflending.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": [ "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "IA", "KS", "KY", "LA", "ME", "MD", "MA", "MI", "MN", "MS", "MO", "MT", "NE", "NV", "NH", "NJ", "NM", "NY", "NC", "ND", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VT", "VA", "WA", "WV", "WI", "WY", "DC" ], "coverage_note": "Lists 30-year DSCR rental loans in all states.", "min_fico": 640, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": "Typically >1.0", "loan_min": 75000, "loan_max": 2000000, "prepay": "Rental: 5/4/3/2/1, 4/3/2/1, 3/2/1, 2/1, 1-year or none.", "str": true, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$75K\u2013$2M", "min_fico": 640, "max_ltv": "80% (as-is)", "prepay": "5-yr step-down to none" }, { "type": "fix-flip", "loan_range": "$75K\u2013$750K", "min_fico": 640, "leverage": "Up to 95% LTC, 70% ARV" } ], "notes": null, "source_urls": [ "https://longleaflending.com/loan-products/long-term-rental-loans", "https://longleaflending.com/loan-products/fix-and-flip-loans" ], "date_checked": "2026-10-16", "slug": "longleaf-lending", "data_completeness": 0.83 }, { "name": "Rehab Financial Group", "website": "https://rehabfinancial.com", "loan_types": [ "fix-flip", "hard-money", "dscr" ], "channel": "Direct to investors", "states": [ "AL", "CT", "DE", "FL", "GA", "IN", "KY", "MD", "MA", "MO", "NJ", "NC", "OH", "PA", "SC", "TN", "TX", "VA" ], "coverage_note": "Fix-and-flip lists 18 states.", "min_fico": 640, "max_purchase_ltv": null, "max_cashout_ltv": 75, "min_dscr": null, "loan_min": 100000, "loan_max": 1250000, "prepay": null, "str": null, "foreign_national": null, "products": [ { "type": "fix-flip", "loan_range": "$100K\u2013$1.25M", "min_fico": 650, "leverage": "100% of purchase & rehab; 65\u201375% ARV by FICO/experience" }, { "type": "dscr", "loan_range": "$100K\u2013$1.25M", "min_fico": 640, "max_ltv": "75% cash-out", "notes": "30-year rental loan offered through a partner" } ], "notes": null, "source_urls": [ "https://rehabfinancial.com/100-fix-flip-premier-loan/loan-terms", "https://rehabfinancial.com/30-year-rental-loan-refi" ], "date_checked": "2026-10-16", "slug": "rehab-financial-group", "data_completeness": 0.5 }, { "name": "Upright", "website": "https://www.uprightlending.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": 660, "max_purchase_ltv": 80, "max_cashout_ltv": 75, "min_dscr": 0.9, "loan_min": 100000, "loan_max": 3000000, "prepay": "Choose 0, 1, 2, 3, 4 or 5 years.", "str": true, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$100K\u2013$3M per property ($5M portfolio)", "min_fico": 660, "max_ltv": "80% purchase & R/T / 75% cash-out", "min_dscr": "0.90x LTR / 1.15x STR", "prepay": "0\u20135 years" } ], "notes": "Short-term rentals on refinances only (purchases not currently eligible).", "source_urls": [ "https://www.uprightlending.com/loan/dscr" ], "date_checked": "2026-10-16", "slug": "upright", "data_completeness": 0.83 }, { "name": "Cogo Capital", "website": "https://cogocapital.com", "loan_types": [ "fix-flip", "hard-money", "dscr" ], "channel": "Direct to investors", "states": null, "coverage_note": "Says it serves investors across America.", "min_fico": 600, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": null, "loan_min": 50000, "loan_max": 3000000, "prepay": null, "str": null, "foreign_national": null, "products": [ { "type": "fix-flip", "min_fico": 600, "leverage": "100%+ LTC, 70% LTV", "loan_range": "From $50K" }, { "type": "dscr", "loan_range": "$75K\u2013$2M", "max_ltv": "Up to 80%" } ], "notes": "Site says education students may get special lending terms.", "source_urls": [ "https://cogocapital.com/loan-programs/" ], "date_checked": "2026-10-16", "slug": "cogo-capital", "data_completeness": 0.5 }, { "name": "CV3 Financial", "website": "https://www.cv3financial.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": null, "max_purchase_ltv": 80, "max_cashout_ltv": 80, "min_dscr": "Minimal DSCR requirements", "loan_min": 75000, "loan_max": 5000000, "prepay": "Fix-and-flip: 12-month term no prepay; 24-month term 6-month prepay.", "str": null, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$75K\u2013$2.5MM single ($5MM portfolio)", "max_ltv": "80% / 80% cash-out" }, { "type": "fix-flip", "loan_range": "$75K\u2013$5M", "leverage": "Up to 90% LTV purchase w/ renovation, 100% rehab" } ], "notes": null, "source_urls": [ "https://www.cv3financial.com/product/rental", "https://www.cv3financial.com/product/fix-and-flip" ], "date_checked": "2026-10-16", "slug": "cv3-financial", "data_completeness": 0.5 }, { "name": "Hard Money Bankers", "website": "https://www.hardmoneybankers.com", "loan_types": [ "fix-flip", "bridge", "hard-money" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": null, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": null, "loan_max": null, "prepay": "Usually none; varies by deal.", "str": null, "foreign_national": null, "products": [], "notes": "Equity-based lender; typically 20% down on flips. Credit reviewed but not primary factor.", "source_urls": [ "https://www.hardmoneybankers.com/fix-and-flip-loans/", "https://www.hardmoneybankers.com/rental-loans/" ], "date_checked": "2026-10-16", "slug": "hard-money-bankers", "data_completeness": 0.17 }, { "name": "Capital Funding Financial", "website": "https://capitalfunding.com", "loan_types": [ "dscr", "fix-flip", "bridge", "hard-money" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": 660, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": 0.75, "loan_min": 200000, "loan_max": 10000000, "prepay": "DSCR: 5/4/3/2/1, 3/2/1 or none. Fix-and-flip: no-prepay options.", "str": null, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$200K\u2013$10M", "min_fico": 660, "max_ltv": "Up to 80%", "min_dscr": "1.10x / 1.00x / 0.75x options", "prepay": "5/4/3/2/1, 3/2/1, none" }, { "type": "fix-flip", "min_fico": 660, "leverage": "Up to 90% LTC", "notes": "Exceptions down to 620" }, { "type": "foreign-national", "loan_range": "$200K\u2013$10M", "max_ltv": "75%" } ], "notes": null, "source_urls": [ "https://capitalfunding.com/services/rental-dscr-program/", "https://capitalfunding.com/services/fix-and-flip-program/", "https://capitalfunding.com/services/foreign-national-loan/" ], "date_checked": "2026-10-16", "slug": "capital-funding-financial", "data_completeness": 0.83 }, { "name": "CoreVest Finance", "website": "https://www.corevestfinance.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": null, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": 0.8, "loan_min": 75000, "loan_max": null, "prepay": null, "str": true, "foreign_national": null, "products": [ { "type": "dscr", "loan_range": "$75K\u2013$3M+", "max_ltv": "80%", "min_dscr": "0.80x" }, { "type": "str", "loan_range": "$500K\u2013$5M+", "max_ltv": "70%", "notes": "5+ STR properties under one loan" }, { "type": "fix-flip", "loan_range": "$75K\u2013$3M+", "leverage": "Up to 93.5% LTC (1\u20134 units)" } ], "notes": null, "source_urls": [ "https://www.corevestfinance.com/loan-types/30-year-dscr-loans", "https://www.corevestfinance.com/loan-types/short-term-rental-loans", "https://www.corevestfinance.com/loan-types/fix-and-flip-loans" ], "date_checked": "2026-10-16", "slug": "corevest-finance", "data_completeness": 0.5 }, { "name": "HomeAbroad", "website": "https://homeabroadinc.com", "loan_types": [ "dscr" ], "channel": "Mortgage company focused on foreign nationals", "states": null, "coverage_note": null, "min_fico": null, "max_purchase_ltv": 75, "max_cashout_ltv": 70, "min_dscr": 0.75, "loan_min": 100000, "loan_max": null, "prepay": null, "str": true, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$100K+", "max_ltv": "75% purchase & R/T / 70% cash-out", "min_dscr": "0.75x (\u22651 for best terms)" } ], "notes": "Terms shown are its foreign-national DSCR guidelines (25% down, 6 months reserves).", "source_urls": [ "https://homeabroadinc.com/mortgages/dscr-loans-guide/", "https://homeabroadinc.com/mortgages/foreign-national-mortgage-guide/" ], "date_checked": "2026-10-16", "slug": "homeabroad", "data_completeness": 0.67 }, { "name": "Newfi", "website": "https://newfi.com", "loan_types": [ "dscr" ], "channel": "Direct to investors", "states": null, "coverage_note": null, "min_fico": 640, "max_purchase_ltv": 80, "max_cashout_ltv": 80, "min_dscr": 0.75, "loan_min": null, "loan_max": null, "prepay": null, "str": true, "foreign_national": null, "products": [ { "type": "dscr", "min_fico": 640, "max_ltv": "80% purchase, R&T and cash-out", "min_dscr": "0.75x purchase/R&T; 1.00x cash-out", "notes": "660 FICO when DSCR <1.00" } ], "notes": null, "source_urls": [ "https://newfi.com/dscr-loans/" ], "date_checked": "2026-10-16", "slug": "newfi", "data_completeness": 0.5 }, { "name": "Anchor Loans", "website": "https://www.anchorloans.com", "loan_types": [ "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "Homepage: lending in 48 states.", "min_fico": null, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": null, "loan_max": null, "prepay": null, "str": null, "foreign_national": null, "products": [], "notes": "Private direct lender to experienced investors and builders; detailed terms not published on pages checked.", "source_urls": [ "https://www.anchorloans.com/" ], "date_checked": "2026-10-16", "slug": "anchor-loans", "data_completeness": 0.0 }, { "name": "Builders Capital", "website": "https://www.builderscapital.com", "loan_types": [ "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "Describes a nationwide presence.", "min_fico": null, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": null, "loan_max": null, "prepay": null, "str": null, "foreign_national": null, "products": [], "notes": "Construction-focused private lender (bridge/stabilization, ground-up, BTR). Terms not published on pages checked.", "source_urls": [ "https://www.builderscapital.com/product-overview" ], "date_checked": "2026-10-16", "slug": "builders-capital", "data_completeness": 0.0 }, { "name": "Temple View Capital", "website": "https://www.templeviewcap.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "Describes nationwide lending.", "min_fico": 660, "max_purchase_ltv": 80, "max_cashout_ltv": null, "min_dscr": 0.75, "loan_min": 55000, "loan_max": 6000000, "prepay": null, "str": true, "foreign_national": true, "products": [ { "type": "dscr", "loan_range": "$55K\u2013$2.5M", "min_fico": 660, "max_ltv": "Up to 80%", "min_dscr": "0.75x LTR / 1.0x STR" }, { "type": "fix-flip", "loan_range": "$75K\u2013$6M", "leverage": "Up to 90% LTV, 75% LTARV" } ], "notes": null, "source_urls": [ "https://www.templeviewcap.com/programs/dscr-loan-program", "https://www.templeviewcap.com/programs/rehab-loans" ], "date_checked": "2026-10-16", "slug": "temple-view-capital", "data_completeness": 0.83 }, { "name": "HouseMax Funding", "website": "https://housemaxfunding.com", "loan_types": [ "fix-flip", "bridge", "dscr", "hard-money" ], "channel": "Direct to investors", "states": null, "coverage_note": "Describes nationwide lending.", "min_fico": 640, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": 85000, "loan_max": null, "prepay": null, "str": null, "foreign_national": null, "products": [ { "type": "fix-flip", "leverage": "Up to 75% of ARV (example)" } ], "notes": "Site states it cannot fund loans below $85,000 or credit scores under 640.", "source_urls": [ "https://housemaxfunding.com/", "https://housemaxfunding.com/fix-flip-loans" ], "date_checked": "2026-10-16", "slug": "housemax-funding", "data_completeness": 0.5 }, { "name": "BridgePoint (bplending.com)", "website": "https://www.bplending.com", "loan_types": [ "dscr", "fix-flip", "bridge" ], "channel": "Direct to investors", "states": null, "coverage_note": "44 states + DC (specific states not listed in text).", "min_fico": null, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": null, "loan_max": null, "prepay": null, "str": null, "foreign_national": null, "products": [], "notes": "Detailed terms not published on pages checked; offers online ballpark estimates.", "source_urls": [ "https://www.bplending.com/", "https://www.bplending.com/dscr-loans/" ], "date_checked": "2026-10-16", "slug": "bridgepoint", "data_completeness": 0.0 }, { "name": "Vaster", "website": "https://www.vaster.com", "loan_types": [ "bridge", "hard-money", "dscr" ], "channel": "Direct to investors", "states": [ "FL", "NY" ], "coverage_note": "Real estate financing for Florida and New York investors.", "min_fico": null, "max_purchase_ltv": 65, "max_cashout_ltv": null, "min_dscr": "No DSCR ratio option", "loan_min": null, "loan_max": null, "prepay": null, "str": null, "foreign_national": true, "products": [], "notes": "Up to 65% of property value; lends to foreign nationals with no U.S. credit history.", "source_urls": [ "https://www.vaster.com/" ], "date_checked": "2026-10-16", "slug": "vaster", "data_completeness": 0.33 }, { "name": "Velocity Mortgage Capital", "website": "https://www.velocitymortgage.com", "loan_types": [ "dscr", "bridge" ], "channel": "Wholesale (through brokers)", "states": null, "coverage_note": null, "min_fico": null, "max_purchase_ltv": null, "max_cashout_ltv": null, "min_dscr": null, "loan_min": null, "loan_max": null, "prepay": "Flex I/O 24-month loan: no prepayment penalty.", "str": null, "foreign_national": true, "products": [ { "type": "dscr", "notes": "30-year fixed; interest-only up to 10 years" }, { "type": "bridge", "notes": "Flex I/O 24-month interest-only, no prepay" }, { "type": "foreign-national", "max_ltv": "Up to 65%", "notes": "No U.S. credit required" } ], "notes": null, "source_urls": [ "https://www.velocitymortgage.com/mortgage-programs/" ], "date_checked": "2026-10-16", "slug": "velocity-mortgage-capital", "data_completeness": 0.33 } ]