# LenderTracker: full dataset

> Every lender LenderTracker (https://lendertracker.com) tracks, written out as text. 50 lenders with published terms and 16 lenders we watch that haven’t published terms. Data last checked October 16, 2026. Machine-readable copies: https://lendertracker.com/data/lenders.json and https://lendertracker.com/data/lenders.csv (field guide: https://lendertracker.com/data/).

How to read this:
- Values come only from each lender’s own website or its own marketing emails. “Not published” means the lender didn’t publish that term; nothing is estimated.
- Advertised rates are “starting at” floors, not quotes, shown with the date they were published. Email figures older than 180 days are labeled historical, not current pricing.
- State coverage counts only when the lender names the state. If it doesn’t list states, coverage is unknown.
- Lenders are listed alphabetically. No placement is paid. LenderTracker takes no per-loan or per-lead fees and does not broker loans.
- Disclosure: LenderTracker is created by Alex English, a licensed real estate agent and a licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments (Alex doesn't own it; it is listed like every other lender, with no special placement). Alex also makes business-purpose private money loans. None of Alex's own private lending entities are listed. LenderTracker takes no per-loan or per-lead fees and does not broker loans. See https://lendertracker.com/disclosure/
- Terms change often. Confirm current terms with the lender in writing.

## 5th Street Capital

- LenderTracker page: https://lendertracker.com/lenders/5th-street-capital/
- Website: https://www.5thstcap.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Wholesale (broker-facing)
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 660
- Max purchase LTV: 85%
- Max cash-out LTV: 80%
- Min DSCR: No-ratio option
- Loan size: $250K–$3.5M
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $250K–$3.5M; min fico: 660; max ltv: 85% purchase / 80% cash-out (to $1.0M); STR to 80%
- Foreign national program: loan range: $200K–$3M
- Sources: https://www.5thstcap.com/dscr, https://www.5thstcap.com/foreign-national
- Date checked: 2026-10-16

## A & A Funding Corp.

- LenderTracker page: https://lendertracker.com/lenders/a-a-funding/
- Website: https://www.aafundcorp.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Hard money, Bridge
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- States named in lender’s own marketing: AZ
- Arizona: lender says it lends here; Tennessee: unknown
- Coverage note: Lender's site: Arizona direct hard money lender (Scottsdale).
- Terms: Not published
- Sources: https://www.aafundcorp.com/
- Date checked: 2026-10-16

## A&D Mortgage

- LenderTracker page: https://lendertracker.com/lenders/a-d-mortgage/
- Website: https://admortgage.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: As low as 0 (no-ratio)
- Loan size: Up to $3M
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: Up to $3M; min dscr: No-ratio available; notes: DSCR <1 requires 680 FICO; STR up to 80% CLTV
- Foreign national program: notes: FICO 660 or no score; up to 75% CLTV purchase / 70% cash-out; up to $3M
- Sources: https://admortgage.com/programs/dscr/
- Date checked: 2026-10-16

## ABC Grand Inc.

- LenderTracker page: https://lendertracker.com/lenders/abc-grand/
- Website: https://www.lilianabcloan.com/
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 640 (as of September 1, 2026)
- Max purchase LTV: 75% (as of October 5, 2026)
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: $25K–$750K (as of September 1, 2026)
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- From lender email, Advertised rate: 9%–11% (APR) advertised range (as of September 1, 2026)
- From lender email, Max LTV: Up to 75% (as of October 5, 2026)
- From lender email, Max loan-to-cost: Up to 85% (as of October 5, 2026)
- From lender email, Min FICO: 640 (as of September 1, 2026)
- From lender email, Min loan: $25,000 (as of September 1, 2026)
- From lender email, Max loan: $750,000 (as of September 1, 2026)
- From lender email, Term: 18 months (as of October 5, 2026)
- From lender email, Interest-only: Available (as of October 5, 2026)
- From lender email, Time to close: About 30 days (as of October 5, 2026)
- From lender email, Rehab holdback: Up to 100% of eligible construction costs (as of October 5, 2026)
- Sources: https://www.lilianabcloan.com/
- Date checked: 2026-10-16

## Active Funding Group

- LenderTracker page: https://lendertracker.com/lenders/active-funding-group/
- Website: https://activefundinggroup.com/
- Status: tracked, published terms below
- Loan types: Hard money
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- States named in lender’s own marketing: AZ
- Arizona: lender says it lends here; Tennessee: unknown
- Coverage note: Scottsdale, AZ lender; email says it covers the entire state of Arizona.
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- From lender email, Origination points: 0 points (as of June 5, 2026)
- From lender email, Lender fees: $0 fees (as of June 5, 2026)
- From lender email, Min loan: $10,000 (as of June 27, 2025) [historical, older than 180 days, not current pricing]
- From lender email, Max loan: $10M (as of June 27, 2025) [historical, older than 180 days, not current pricing]
- From lender email, Time to close: same day when needed (as of February 6, 2025) [historical, older than 180 days, not current pricing]
- Sources: https://activefundinggroup.com/
- Date checked: 2026-10-16

## Anchor Loans

- LenderTracker page: https://lendertracker.com/lenders/anchor-loans/
- Website: https://www.anchorloans.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Homepage: lending in 48 states.
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Notes: Private direct lender to experienced investors and builders; detailed terms not published on pages checked.
- Sources: https://www.anchorloans.com/
- Date checked: 2026-10-16

## Angel Oak Mortgage Solutions

- LenderTracker page: https://lendertracker.com/lenders/angel-oak-mortgage-solutions/
- Website: https://angeloakms.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Wholesale (through brokers)
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 680
- Max purchase LTV: 85%
- Max cash-out LTV: Not published
- Min DSCR: Below 1.0 / no-DSCR options
- Loan size: $100K–$3M
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $100K–$3M; min fico: 680; max ltv: 75% at 680 FICO; 85% max at 720+; min dscr: <1.0 and no-DSCR available
- Foreign national program: notes: Investment property only; 1.0 DSCR typically required
- Notes: Business-purpose loans offered through approved broker clients.
- Sources: https://angeloakms.com/programs/investor-cash-flow-mortgage-program/, https://angeloakms.com/programs/foreign-national-mortgage-program/
- Date checked: 2026-10-16

## Archwest Capital

- LenderTracker page: https://lendertracker.com/lenders/archwest-capital/
- Website: https://www.archwestcapital.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Describes financing fix-and-flip projects nationwide.
- Min FICO (lowest published): 680
- Max purchase LTV: 80%
- Max cash-out LTV: 75%
- Min DSCR: Not published
- Loan size: $150K–$5M
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Fix & flip program: loan range: $200K–$5M+; min fico: 680; leverage: Up to 95% LTC; 92.5% of purchase, 100% rehab
- Bridge program: loan range: $150K–$5M+; max ltv: 80% / 75% cash-out
- Notes: LTV fields reflect the bridge program (no DSCR program). $5M+ loans available.
- Sources: https://www.archwestcapital.com/products/, https://www.archwestcapital.com/fix-flip/
- Date checked: 2026-10-16

## Arixa Capital

- LenderTracker page: https://lendertracker.com/lenders/arixa-capital/
- Website: https://www.arixacapital.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Bridge
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://www.arixacapital.com/
- Date checked: 2026-10-16

## Ascent Developer Solutions

- LenderTracker page: https://lendertracker.com/lenders/ascent-developer-solutions/
- Website: https://www.ascentds.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Ground-up construction, Bridge
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Lender's site lists an Arizona lender license (CBK-2009336) and says lending depends on state and transaction.
- Terms: Not published
- Sources: https://www.ascentds.com/
- Date checked: 2026-10-16

## B.E. Lending

- LenderTracker page: https://lendertracker.com/lenders/be-lending/
- Website: https://belending.com/
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge, Hard money
- Channel: Direct and wholesale
- States listed by lender: Not published (coverage unknown)
- States named in lender’s own marketing: AZ, TN
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Phoenix, AZ office; lender email says it lends in Tennessee.
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- From lender email, Rehab holdback: construction draw allowance $270k on a deal funded $539k at acquisition (single case study) (as of May 13, 2025) [historical, older than 180 days, not current pricing]
- Sources: https://belending.com/
- Date checked: 2026-10-16

## Barrett Financial Group

- LenderTracker page: https://lendertracker.com/lenders/barrett-financial/
- Website: https://www.barrettfinancial.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Non-QM
- Channel: Mortgage broker (shops multiple lenders)
- States listed by lender: Not published (coverage unknown)
- States named in lender’s own marketing: AZ
- Arizona: lender says it lends here; Tennessee: unknown
- Coverage note: Lender's site: Chandler, AZ mortgage broker serving Gilbert, Scottsdale and Mesa.
- Terms: Not published
- Sources: https://www.barrettfinancial.com/
- Date checked: 2026-10-16

## Boomerang Capital Partners

- LenderTracker page: https://lendertracker.com/lenders/boomerang-capital/
- Website: https://boomerangcapital.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Fix & flip, Hard money
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- States named in lender’s own marketing: AZ, TN
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Lender's site: currently funding in Arizona, Colorado, Texas, Utah, Oklahoma and Tennessee.
- Terms: Not published
- Sources: https://boomerangcapital.com/
- Date checked: 2026-10-16

## Brenance

- LenderTracker page: https://lendertracker.com/lenders/brenance/
- Website: https://www.brenance.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Fix & flip, Bridge, Hard money
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://www.brenance.com/
- Date checked: 2026-10-16

## BridgePoint (bplending.com)

- LenderTracker page: https://lendertracker.com/lenders/bridgepoint/
- Website: https://www.bplending.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: 44 states + DC (specific states not listed in text).
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Notes: Detailed terms not published on pages checked; offers online ballpark estimates.
- Sources: https://www.bplending.com/, https://www.bplending.com/dscr-loans/
- Date checked: 2026-10-16

## Builders Capital

- LenderTracker page: https://lendertracker.com/lenders/builders-capital/
- Website: https://www.builderscapital.com
- Status: tracked, published terms below
- Loan types: Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Describes a nationwide presence.
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Notes: Construction-focused private lender (bridge/stabilization, ground-up, BTR). Terms not published on pages checked.
- Sources: https://www.builderscapital.com/product-overview
- Date checked: 2026-10-16

## Capital Fund 1

- LenderTracker page: https://lendertracker.com/lenders/capital-fund-1/
- Website: https://capitalfund1.com/
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge, Hard money
- Channel: Direct and wholesale
- States listed by lender: Not published (coverage unknown)
- States named in lender’s own marketing: AZ, TN
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Lender's site lists areas served including Arizona and Tennessee.
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- From lender email, Max loan-to-cost: Up to 85% (as of March 15, 2024) [historical, older than 180 days, not current pricing]
- From lender email, Min FICO: No FICO (asset-based hard money) (as of March 15, 2024) [historical, older than 180 days, not current pricing]
- Sources: https://capitalfund1.com/
- Date checked: 2026-10-16

## Capital Funding Financial

- LenderTracker page: https://lendertracker.com/lenders/capital-funding-financial/
- Website: https://capitalfunding.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge, Hard money
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 660
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: 0.75x
- Loan size: $200K–$10M
- Prepayment penalty: DSCR: 5/4/3/2/1, 3/2/1 or none. Fix-and-flip: no-prepay options.
- Short-term rentals: Not published
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $200K–$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
- Fix & flip program: min fico: 660; leverage: Up to 90% LTC; notes: Exceptions down to 620
- Foreign national program: loan range: $200K–$10M; max ltv: 75%
- Sources: 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

## Center Street Lending

- LenderTracker page: https://lendertracker.com/lenders/center-street-lending/
- Website: https://www.centerstreetlending.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: States 'lending throughout the United States'; other states case-by-case.
- Min FICO (lowest published): 650
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: $200K–$10M
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Fix & flip program: loan range: $200K–$5MM; min fico: 650; leverage: Up to 95% LTC
- Bridge program: loan range: $200K–$10MM; min fico: 650; max ltv: 80% purchase / 80% LTC
- Notes: LTV fields reflect the bridge program.
- Sources: https://www.centerstreetlending.com/loans/fix-and-flip, https://www.centerstreetlending.com/loans/bridge
- Date checked: 2026-10-16

## Civic Financial Services

- LenderTracker page: https://lendertracker.com/lenders/civic-financial-services/
- Website: https://civicfs.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 660
- Max purchase LTV: 80%
- Max cash-out LTV: 75%
- Min DSCR: Not published
- Loan size: $50K–$3M
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $75K–$2MM; min fico: 660; max ltv: 80% purchase & R/T / 75% cash-out; notes: Foreign nationals max 65% LTV; entity required
- Fix & flip program: loan range: $50K–$3MM; leverage: Up to 100% of rehab
- Bridge program: min fico: 660; max ltv: 70%
- Sources: https://civicfs.com/rental/, https://civicfs.com/fix-and-flip/, https://civicfs.com/bridge-loans/
- Date checked: 2026-10-16

## Cogo Capital

- LenderTracker page: https://lendertracker.com/lenders/cogo-capital/
- Website: https://cogocapital.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Hard money, DSCR / rental
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Says it serves investors across America.
- Min FICO (lowest published): 600
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: $50K–$3M
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Fix & flip program: min fico: 600; leverage: 100%+ LTC, 70% LTV; loan range: From $50K
- DSCR / rental program: loan range: $75K–$2M; max ltv: Up to 80%
- Notes: Site says education students may get special lending terms.
- Sources: https://cogocapital.com/loan-programs/
- Date checked: 2026-10-16

## CoreVest Finance

- LenderTracker page: https://lendertracker.com/lenders/corevest-finance/
- Website: https://www.corevestfinance.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): Not published
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: 0.8x
- Loan size: From $75K
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $75K–$3M+; max ltv: 80%; min dscr: 0.80x
- Short-term rental program: loan range: $500K–$5M+; max ltv: 70%; notes: 5+ STR properties under one loan
- Fix & flip program: loan range: $75K–$3M+; leverage: Up to 93.5% LTC (1–4 units)
- Sources: 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

## CV3 Financial

- LenderTracker page: https://lendertracker.com/lenders/cv3-financial/
- Website: https://www.cv3financial.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): Not published
- Max purchase LTV: 80%
- Max cash-out LTV: 80%
- Min DSCR: Minimal DSCR requirements
- Loan size: $75K–$5M
- Prepayment penalty: Fix-and-flip: 12-month term no prepay; 24-month term 6-month prepay.
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $75K–$2.5MM single ($5MM portfolio); max ltv: 80% / 80% cash-out
- Fix & flip program: loan range: $75K–$5M; leverage: Up to 90% LTV purchase w/ renovation, 100% rehab
- Sources: https://www.cv3financial.com/product/rental, https://www.cv3financial.com/product/fix-and-flip
- Date checked: 2026-10-16

## Deephaven Mortgage

- LenderTracker page: https://lendertracker.com/lenders/deephaven-mortgage/
- Website: https://deephavenmortgage.com/
- Status: lender we’re watching, no published terms yet
- Loan types: DSCR / rental
- Channel: Wholesale (through brokers)
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://deephavenmortgage.com/
- Date checked: 2026-10-16

## Defy Mortgage

- LenderTracker page: https://lendertracker.com/lenders/defy-mortgage/
- Website: https://defymortgage.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Direct to investors
- States listed by lender: 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
- Arizona: unknown; Tennessee: lender says it lends here
- Coverage note: Processes DSCR loans in all states except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT.
- Min FICO (lowest published): 640
- Max purchase LTV: 85%
- Max cash-out LTV: 80%
- Min DSCR: 0.75x
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: min fico: 640; max ltv: 85% SFR purchase / 80% R&T and cash-out; min dscr: 0.75x (≥1.00 for cash-out); loan range: No hard maximum
- Notes: States 'no hard maximum loan limit'; 85% LTV requires 740+ FICO.
- Sources: https://defymortgage.com/non-qm-loans/dscr-loans/
- Date checked: 2026-10-16

## Dominion Financial Services

- LenderTracker page: https://lendertracker.com/lenders/dominion-financial-services/
- Website: https://dominionfinancialservices.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Bridge
- Channel: Direct to investors
- States listed by lender: All 50 states + DC
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Available in all 50 states & DC.
- Min FICO (lowest published): 640
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Declining prepayment penalty.
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: 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.
- Sources: https://dominionfinancialservices.com/dscr-loans/
- Date checked: 2026-10-16

## Easy Street Capital

- LenderTracker page: https://lendertracker.com/lenders/easy-street-capital/
- Website: https://easystreetcap.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: DSCR in 48 states. Fix-and-flip excludes LA, MN, ND, SD and select metros (Baltimore, Chicago, Detroit).
- Min FICO (lowest published): 600
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: No minimum
- Loan size: $75K–$5M
- Prepayment penalty: Fix-and-flip: none.
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Short-term rental program: min fico: 640; min dscr: No minimum
- Fix & flip program: loan range: $75K–$5M+; min fico: 600; leverage: Up to 93% LTC, 90% purchase, 100% rehab, 75% ARV; prepay: None
- Sources: https://easystreetcap.com/short-term-rentals/, https://easystreetcap.com/easyfix/, https://easystreetcap.com/dscr-loan-cash-out-refinance-guide/
- Date checked: 2026-10-16

## Enact Partners

- LenderTracker page: https://lendertracker.com/lenders/enact-partners/
- Website: https://enactpartners.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Bridge, Hard money
- Channel: Direct and wholesale
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://enactpartners.com/
- Date checked: 2026-10-16

## Express Capital Financing

- LenderTracker page: https://lendertracker.com/lenders/express-capital-financing/
- Website: https://expresscapitalfinancing.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: DSCR nationwide. Fix-and-flip nationwide except ND, SD, NV, AZ.
- Min FICO (lowest published): 600
- Max purchase LTV: 85%
- Max cash-out LTV: 75%
- Min DSCR: 1.0x (no-DSCR option)
- Loan size: $50K–$3M
- Prepayment penalty: DSCR options: none, 1-0-0, 3-0-0, 3-2-1, 5-4-3-2-1. Fix-and-flip: none.
- Short-term rentals: Yes
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $50K–$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
- Fix & flip program: min fico: 600; leverage: Up to 90% acquisition, 100% renovation; prepay: None
- Sources: https://expresscapitalfinancing.com/loan-programs/dscr-loans/, https://expresscapitalfinancing.com/loan-programs/fix-and-flip-loans/
- Date checked: 2026-10-16

## Griffin Funding

- LenderTracker page: https://lendertracker.com/lenders/griffin-funding/
- Website: https://griffinfunding.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Direct to investors
- States listed by lender: All 50 states + DC
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Originates DSCR loans in all 50 states + DC.
- Min FICO (lowest published): 620
- Max purchase LTV: 85%
- Max cash-out LTV: 80%
- Min DSCR: No minimum
- Loan size: $100K–$4.5M
- Prepayment penalty: Most DSCR loans carry 1–5 year penalties; no-prepay options available.
- Short-term rentals: Yes
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $100K–$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).
- Sources: https://griffinfunding.com/non-qm-mortgages/dscr-loans/
- Date checked: 2026-10-16

## Hard Money Bankers

- LenderTracker page: https://lendertracker.com/lenders/hard-money-bankers/
- Website: https://www.hardmoneybankers.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge, Hard money
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Usually none; varies by deal.
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Notes: Equity-based lender; typically 20% down on flips. Credit reviewed but not primary factor.
- Sources: https://www.hardmoneybankers.com/fix-and-flip-loans/, https://www.hardmoneybankers.com/rental-loans/
- Date checked: 2026-10-16

## Hilton Financial Corporation

- LenderTracker page: https://lendertracker.com/lenders/hilton-financial/
- Website: https://hiltonloans.com/
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge, Hard money
- Channel: Not published
- States listed by lender: AZ, CO, HI, OH, TN, TX, UT
- States named in lender’s own marketing: AZ, TN
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Lender's site and emails: currently lending in AZ, CO, HI, OH, TN, TX and UT.
- Min FICO (lowest published): Not published
- Max purchase LTV: 69% (as of October 13, 2026)
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: no prepayment penalties (as of October 1, 2026)
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- From lender email, Rate notes: rate and points depend on percent of down payment (as of October 15, 2026)
- From lender email, Max LTV: Up to 69% (as of October 13, 2026)
- From lender email, Max loan-to-cost: Up to 80% (as of October 13, 2026)
- From lender email, Term: 1-3 years (as of October 15, 2026)
- From lender email, Interest-only: Available (as of October 15, 2026)
- From lender email, Origination points: no-point refinance product available (as of September 24, 2026)
- From lender email, Prepayment: no prepayment penalties (as of October 1, 2026)
- Sources: https://hiltonloans.com/
- Date checked: 2026-10-16

## HomeAbroad

- LenderTracker page: https://lendertracker.com/lenders/homeabroad/
- Website: https://homeabroadinc.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Mortgage company focused on foreign nationals
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): Not published
- Max purchase LTV: 75%
- Max cash-out LTV: 70%
- Min DSCR: 0.75x
- Loan size: From $100K
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $100K+; max ltv: 75% purchase & R/T / 70% cash-out; min dscr: 0.75x (≥1 for best terms)
- Notes: Terms shown are its foreign-national DSCR guidelines (25% down, 6 months reserves).
- Sources: https://homeabroadinc.com/mortgages/dscr-loans-guide/, https://homeabroadinc.com/mortgages/foreign-national-mortgage-guide/
- Date checked: 2026-10-16

## HouseMax Funding

- LenderTracker page: https://lendertracker.com/lenders/housemax-funding/
- Website: https://housemaxfunding.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge, DSCR / rental, Hard money
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Describes nationwide lending.
- Min FICO (lowest published): 640
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: From $85K
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Fix & flip program: leverage: Up to 75% of ARV (example)
- Notes: Site states it cannot fund loans below $85,000 or credit scores under 640.
- Sources: https://housemaxfunding.com/, https://housemaxfunding.com/fix-flip-loans
- Date checked: 2026-10-16

## Indicate Capital

- LenderTracker page: https://lendertracker.com/lenders/indicate-capital/
- Website: https://indicatecapital.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Fix & flip, Bridge, Hard money
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://indicatecapital.com/
- Date checked: 2026-10-16

## JSS Financial

- LenderTracker page: https://lendertracker.com/lenders/jss-financial/
- Website: https://jssfinancial.net/
- Status: lender we’re watching, no published terms yet
- Loan types: Fix & flip, Bridge, Hard money
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://jssfinancial.net/
- Date checked: 2026-10-16

## Kenwood Mortgage Investments

- LenderTracker page: https://lendertracker.com/lenders/kenwood-mortgage-investments/
- Website: https://kenwoodmortgage.com/
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge, Hard money, Ground-up construction
- Channel: Direct to investors
- States listed by lender: AZ
- States named in lender’s own marketing: AZ
- Arizona: lender says it lends here; Tennessee: unknown
- Coverage note: Arizona investment real estate only (lender's site).
- Min FICO (lowest published): Not published
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: $50K–$25M
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Bridge program: loan range: $50K–$25M; max ltv: Up to 80% (residential investment property); notes: Purchase, cash out or reposition; investment property only; first deed of trust; 6–24 months; interest only. Pricing set deal by deal.
- Fix & flip program: leverage: Up to 85% LTC / up to 70% ARV; notes: First deed of trust; 6–24 months. Pricing set deal by deal.
- Ground-up construction program: leverage: Up to 72% ARV; loan-to-cost: call for a quote; notes: First deed of trust; AZ ROC licensed builder or owner-builder.
- Hard money program: loan range: $50K–$25M; max ltv: Up to 80% (commercial); land up to 70% residential / 65% commercial; notes: First deed of trust; 6–24 months; interest only. Pricing set deal by deal.
- Disclosure: LenderTracker’s creator is a licensed MLO with Kenwood Mortgage Investments (doesn’t own it); it’s listed like every other lender, with no special placement.
- Notes: Relationship disclosure: Alex English, who runs LenderTracker, is a licensed mortgage loan originator with Kenwood Mortgage Investments and doesn't own it. This listing uses only Kenwood's public website and gets no special ranking or placement. Kenwood doesn't publish rates or a minimum credit score.
- Sources: https://kenwoodmortgage.com/residential-loans/, https://kenwoodmortgage.com/fix-and-flip-loans/, https://kenwoodmortgage.com/construction-loans/, https://kenwoodmortgage.com/commercial-loans/, https://kenwoodmortgage.com/land-loans/, https://kenwoodmortgage.com/loan-programs/
- Date checked: 2026-10-16

## Kiavi

- LenderTracker page: https://lendertracker.com/lenders/kiavi/
- Website: https://www.kiavi.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Homepage states lending in 49 states + DC (excluded state not listed on pages checked).
- Min FICO (lowest published): Not published
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: 0.8x
- Loan size: $75K–$5M
- Prepayment penalty: DSCR: no prepayment penalty after year 3. Fix-and-flip & bridge: no prepayment penalty.
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: max ltv: 80%; min dscr: 0.8x; prepay: None after year 3
- Fix & flip program: loan range: $100K–$5MM; leverage: Up to 95% LTC (FAQ) / up to 80% ARV, 100% of rehab; prepay: None
- Bridge program: loan range: $75K–$5MM; leverage: Up to 100% LTC / 80% ARV; prepay: None
- Sources: 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

## LBC Capital

- LenderTracker page: https://lendertracker.com/lenders/lbc-capital/
- Website: https://lbccapital.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Fix & flip, Bridge, Hard money
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://lbccapital.com/
- Date checked: 2026-10-16

## LendingOne

- LenderTracker page: https://lendertracker.com/lenders/lendingone/
- Website: https://lendingone.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: 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
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Does not lend in AK, NV, ND, SD (site footer).
- Min FICO (lowest published): Not published
- Max purchase LTV: 80%
- Max cash-out LTV: 75%
- Min DSCR: 0.75x
- Loan size: $85K–$3M
- Prepayment penalty: DSCR: 0 to 5-year options. Fix-and-flip: none.
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $85K–$2M; max ltv: 80% purchase / 75% cash-out; min dscr: 0.75x; prepay: 0–5 years
- Fix & flip program: loan range: $100K–$3M; leverage: Up to 92.5% LTC, 100% rehab; prepay: None
- Sources: https://lendingone.com/loan-types/dscr-rental-loans/, https://lendingone.com/loan-types/fix-and-flip-loans/
- Date checked: 2026-10-16

## Lima One Capital

- LenderTracker page: https://lendertracker.com/lenders/lima-one-capital/
- Website: https://www.limaone.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: 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
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Does not lend in AK, ND, SD, VT (site footer).
- Min FICO (lowest published): Not published
- Max purchase LTV: 80%
- Max cash-out LTV: 75%
- Min DSCR: 1x
- Loan size: $100K–$5M
- Prepayment penalty: Rental: prepayment options; pay higher fee/rate for low or no prepay.
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $100K–$2.5M; max ltv: 80% purchase & rate/term / 75% cash-out; min dscr: 1.0x
- Short-term rental program: min fico: 700; max ltv: 75% purchase / 70% cash-out; min dscr: 1.3x
- Fix & flip program: loan range: $100K–$5M; leverage: Up to 95% LTC, 75% LTARV
- From lender email, Promotion: lowering rates and fees on Bridge, Fix & Flip, Ground-Up Construction and Rental (as of October 18, 2024) [historical, older than 180 days, not current pricing]
- Notes: Min FICO 700 is stated for the short-term rental program; standard rental FICO not stated on page checked.
- Sources: https://www.limaone.com/rental/detail/, https://www.limaone.com/hard-money-fix-n-flip/detail/
- Date checked: 2026-10-16

## Longleaf Lending

- LenderTracker page: https://lendertracker.com/lenders/longleaf-lending/
- Website: https://longleaflending.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: All 50 states + DC
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Lists 30-year DSCR rental loans in all states.
- Min FICO (lowest published): 640
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: Typically >1.0
- Loan size: $75K–$2M
- Prepayment penalty: Rental: 5/4/3/2/1, 4/3/2/1, 3/2/1, 2/1, 1-year or none.
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $75K–$2M; min fico: 640; max ltv: 80% (as-is); prepay: 5-yr step-down to none
- Fix & flip program: loan range: $75K–$750K; min fico: 640; leverage: Up to 95% LTC, 70% ARV
- Sources: https://longleaflending.com/loan-products/long-term-rental-loans, https://longleaflending.com/loan-products/fix-and-flip-loans
- Date checked: 2026-10-16

## LRL Financial

- LenderTracker page: https://lendertracker.com/lenders/lrl-financial/
- Website: https://lrlfinancial.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Bridge
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://lrlfinancial.com/
- Date checked: 2026-10-16

## Merchants Funding

- LenderTracker page: https://lendertracker.com/lenders/merchants-funding/
- Website: https://merchantsmtg.com/
- Status: lender we’re watching, no published terms yet
- Loan types: DSCR / rental, Fix & flip, Hard money
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://merchantsmtg.com/
- Date checked: 2026-10-16

## New Silver

- LenderTracker page: https://lendertracker.com/lenders/new-silver/
- Website: https://newsilver.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip
- Channel: Direct to investors
- States listed by lender: All 50 states + DC
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Lists all 50 states + DC for rental loans.
- Min FICO (lowest published): 650
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: 0.75x
- Loan size: $100K–$5M
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $150K–$3M; min fico: 660; max ltv: 80%; min dscr: 0.75x
- Fix & flip program: loan range: $100K–$5M; min fico: 650; leverage: Up to 90% LTC, up to 100% construction
- Sources: https://newsilver.com/dscr-loan/, https://newsilver.com/fix-and-flip-loans/
- Date checked: 2026-10-16

## Newfi

- LenderTracker page: https://lendertracker.com/lenders/newfi/
- Website: https://newfi.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 640
- Max purchase LTV: 80%
- Max cash-out LTV: 80%
- Min DSCR: 0.75x
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: 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
- Sources: https://newfi.com/dscr-loans/
- Date checked: 2026-10-16

## Noble Mortgage

- LenderTracker page: https://lendertracker.com/lenders/noble-mortgage/
- Website: https://noblemortgage.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Hard money
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 650
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: $50K–$2M
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Fix & flip program: loan range: $50K–$2M; leverage: Up to 100% LTC, 75% ARV; notes: BRRRR rental-rehab loan; 650 credit typically required for long-term refinance
- Sources: https://noblemortgage.com/loan-types/rental-property-loans/
- Date checked: 2026-10-16

## Orion Lending

- LenderTracker page: https://lendertracker.com/lenders/orion-lending/
- Website: https://www.orionlending.com/
- Status: lender we’re watching, no published terms yet
- Loan types: DSCR / rental
- Channel: Wholesale (through brokers)
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Terms: Not published
- Sources: https://www.orionlending.com/
- Date checked: 2026-10-16

## Park Place Finance

- LenderTracker page: https://lendertracker.com/lenders/park-place-finance/
- Website: https://parkplacefinance.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Lends in 46 states (specific states not listed in text).
- Min FICO (lowest published): 660
- Max purchase LTV: 85%
- Max cash-out LTV: 75%
- Min DSCR: 0.75x
- Loan size: $100K–$5M
- Prepayment penalty: Rental: no-PPP options. Bridge: no prepayment penalty.
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $100K–$5M; min fico: 660; max ltv: 85% purchase / 75% cash-out; min dscr: 0.75x; prepay: No-PPP options
- Bridge program: loan range: $100K–$5M; min fico: 660; leverage: Up to 80% LTC; prepay: None
- Fix & flip program: leverage: Up to 93% LTC, 75% ARV
- Sources: https://parkplacefinance.com/rental/, https://parkplacefinance.com/bridge/
- Date checked: 2026-10-16

## Phoenix Hard Money

- LenderTracker page: https://lendertracker.com/lenders/phoenix-hard-money/
- Website: https://phoenixhardmoney.com/
- Status: lender we’re watching, no published terms yet
- Loan types: Fix & flip, Hard money
- Channel: Not published
- States listed by lender: Not published (coverage unknown)
- States named in lender’s own marketing: AZ
- Arizona: lender says it lends here; Tennessee: unknown
- Coverage note: Lender's site: serves the Phoenix, AZ metro area.
- Terms: Not published
- Sources: https://phoenixhardmoney.com/
- Date checked: 2026-10-16

## Rain City Capital

- LenderTracker page: https://lendertracker.com/lenders/rain-city-capital/
- Website: https://www.raincitycapital.com/
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Hard money
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- States named in lender’s own marketing: AZ, TN
- Arizona: lender says it lends here; Tennessee: lender says it lends here
- Coverage note: Lender's site lists the states it lends in, including Arizona and Tennessee.
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- From lender email, Max loan-to-cost: Up to 90% (as of August 4, 2026)
- Sources: https://www.raincitycapital.com/
- Date checked: 2026-10-16

## RCN Capital

- LenderTracker page: https://lendertracker.com/lenders/rcn-capital/
- Website: https://rcncapital.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Describes itself as a nationwide private, direct lender.
- Min FICO (lowest published): 650
- Max purchase LTV: 80%
- Max cash-out LTV: 75%
- Min DSCR: 1x
- Loan size: $70K–$3M
- Prepayment penalty: Fix-and-flip: N/A (none).
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $70K–$1.5M; min fico: 660; max ltv: 80% purchase / 75% cash-out; min dscr: 1.00x
- Fix & flip program: loan range: $75K–$2M (1–4 units); $250K–$3M (5+); min fico: 650; leverage: Up to 100% purchase + 100% rehab, max 75% ARV; prepay: N/A
- Bridge program: loan range: $250K–$2M (multifamily); min fico: 650; max ltv: 75% purchase / 70% refi / 65% cash-out
- Sources: https://rcncapital.com/loan-programs
- Date checked: 2026-10-16

## Rehab Financial Group

- LenderTracker page: https://lendertracker.com/lenders/rehab-financial-group/
- Website: https://rehabfinancial.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Hard money, DSCR / rental
- Channel: Direct to investors
- States listed by lender: AL, CT, DE, FL, GA, IN, KY, MD, MA, MO, NJ, NC, OH, PA, SC, TN, TX, VA
- Arizona: unknown; Tennessee: lender says it lends here
- Coverage note: Fix-and-flip lists 18 states.
- Min FICO (lowest published): 640
- Max purchase LTV: Not published
- Max cash-out LTV: 75%
- Min DSCR: Not published
- Loan size: $100K–$1.25M
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Fix & flip program: loan range: $100K–$1.25M; min fico: 650; leverage: 100% of purchase & rehab; 65–75% ARV by FICO/experience
- DSCR / rental program: loan range: $100K–$1.25M; min fico: 640; max ltv: 75% cash-out; notes: 30-year rental loan offered through a partner
- Sources: https://rehabfinancial.com/100-fix-flip-premier-loan/loan-terms, https://rehabfinancial.com/30-year-rental-loan-refi
- Date checked: 2026-10-16

## Revolution Realty Capital (RevCap)

- LenderTracker page: https://lendertracker.com/lenders/revcap/
- Website: https://revcaplending.com/
- Status: lender we’re watching, no published terms yet
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Wholesale (through brokers)
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Lender's site: funding in 41 states + DC; lists Arizona among states it does not fund in.
- Terms: Not published
- Sources: https://revcaplending.com/
- Date checked: 2026-10-16

## Roc Capital

- LenderTracker page: https://lendertracker.com/lenders/roc-capital/
- Website: https://roccapital.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 660
- Max purchase LTV: 80%
- Max cash-out LTV: 75%
- Min DSCR: Not published
- Loan size: $50K–$3M
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $75K–$2MM; min fico: 660; max ltv: 80% purchase & R/T / 75% cash-out; notes: Foreign nationals 65% LTV
- Fix & flip program: loan range: $50K–$3MM; leverage: Up to 90% LTC, 75% ARLTV, 100% rehab
- Notes: Roc Capital and Civic are both Roc360 brands; published terms are similar.
- Sources: https://roccapital.com/single-property-rentals, https://roccapital.com/fix-and-flip
- Date checked: 2026-10-16

## Sharestates

- LenderTracker page: https://lendertracker.com/lenders/sharestates/
- Website: https://sharestates.com/
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct and wholesale
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- From lender email, Advertised rate: Starting at 7.25% (advertised floor) (as of January 4, 2024) [historical, older than 180 days, not current pricing]
- From lender email, Max LTV: Up to 80% (as of December 18, 2023) [historical, older than 180 days, not current pricing]
- From lender email, Max loan-to-cost: Up to 80% (as of December 18, 2023) [historical, older than 180 days, not current pricing]
- From lender email, Min FICO: 650 (as of January 4, 2024) [historical, older than 180 days, not current pricing]
- From lender email, Min loan: $75,000 (as of December 18, 2023) [historical, older than 180 days, not current pricing]
- From lender email, Max loan: $2.5M (as of January 4, 2024) [historical, older than 180 days, not current pricing]
- From lender email, Origination points: 0 points (as of January 10, 2024) [historical, older than 180 days, not current pricing]
- From lender email, Promotion: 0% origination fee on 1-4 Family DSCR + Fix & Flip loans signed before 2/1/24 (as of January 10, 2024) [historical, older than 180 days, not current pricing]
- Sources: https://sharestates.com/
- Date checked: 2026-10-16

## Socotra Capital

- LenderTracker page: https://lendertracker.com/lenders/socotra-capital/
- Website: https://www.socotracapital.com
- Status: tracked, published terms below
- Loan types: Fix & flip, Bridge, Hard money
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: $100K–$20M
- Prepayment penalty: Fix-and-flip: no prepayment penalties.
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Fix & flip program: loan range: $100K–$20M; prepay: None
- Bridge program: loan range: $100K–$20M
- Sources: https://www.socotracapital.com/loan-options/fix-and-flip, https://www.socotracapital.com/loan-options/bridge-loans
- Date checked: 2026-10-16

## Stratton Equities

- LenderTracker page: https://lendertracker.com/lenders/stratton-equities/
- Website: https://www.strattonequities.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge, Hard money
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Describes itself as a nationwide private money and non-QM lender.
- Min FICO (lowest published): 600
- Max purchase LTV: 85%
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: $100K–$5M
- Prepayment penalty: DSCR: no-prepayment-penalty option available.
- Short-term rentals: Not published
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $100K–$5M; min fico: 600; max ltv: Up to 85%; prepay: No-PPP option
- Fix & flip program: loan range: $100K–$5M; leverage: Up to 90% purchase, 100% rehab, 75% ARV
- Notes: DSCR page: 'credit scores above 600 are qualified'.
- Sources: https://www.strattonequities.com/dscr-loan-program, https://www.strattonequities.com/fix-and-flip-lender
- Date checked: 2026-10-16

## Streit Lending

- LenderTracker page: https://lendertracker.com/lenders/streit-lending/
- Website: https://streitlending.com/
- Status: tracked, published terms below
- Loan types: Bridge, Hard money, Ground-up construction
- Channel: Not published
- States listed by lender: CA
- Arizona: unknown; Tennessee: unknown
- Coverage note: Lender's site: bridge loans in major California metros and construction/rehab loans in Southern California only.
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- From lender email, Advertised rate: Starting at 8.99% (advertised floor) (as of September 25, 2026)
- Sources: https://streitlending.com/
- Date checked: 2026-10-16

## Temple View Capital

- LenderTracker page: https://lendertracker.com/lenders/temple-view-capital/
- Website: https://www.templeviewcap.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Describes nationwide lending.
- Min FICO (lowest published): 660
- Max purchase LTV: 80%
- Max cash-out LTV: Not published
- Min DSCR: 0.75x
- Loan size: $55K–$6M
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $55K–$2.5M; min fico: 660; max ltv: Up to 80%; min dscr: 0.75x LTR / 1.0x STR
- Fix & flip program: loan range: $75K–$6M; leverage: Up to 90% LTV, 75% LTARV
- Sources: https://www.templeviewcap.com/programs/dscr-loan-program, https://www.templeviewcap.com/programs/rehab-loans
- Date checked: 2026-10-16

## theLender

- LenderTracker page: https://lendertracker.com/lenders/thelender/
- Website: https://thelender.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Homepage: licensed in 48 states.
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: $100K–$3.5M
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $100K–$3.5M (standard LTR)
- Short-term rental program: no detailed terms published
- Sources: https://retail.thelender.com/dscr-investor-loan
- Date checked: 2026-10-16

## Truss Financial Group

- LenderTracker page: https://lendertracker.com/lenders/truss-financial-group/
- Website: https://trussfinancialgroup.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 620
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Not published
- Advertised starting rate: Not published
- Fix & flip program: min fico: 620
- DSCR / rental program: notes: Page says both 'no minimum DSCR' and 'a minimum DSCR of 1.2 is typically required'
- Sources: https://trussfinancialgroup.com/loans/dscr-loans, https://trussfinancialgroup.com/loans/fix-flip-loans
- Date checked: 2026-10-16

## Upright

- LenderTracker page: https://lendertracker.com/lenders/upright/
- Website: https://www.uprightlending.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Fix & flip, Bridge
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): 660
- Max purchase LTV: 80%
- Max cash-out LTV: 75%
- Min DSCR: 0.9x
- Loan size: $100K–$3M
- Prepayment penalty: Choose 0, 1, 2, 3, 4 or 5 years.
- Short-term rentals: Yes
- Foreign nationals: Not published
- Advertised starting rate: Not published
- DSCR / rental program: loan range: $100K–$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: 0–5 years
- Notes: Short-term rentals on refinances only (purchases not currently eligible).
- Sources: https://www.uprightlending.com/loan/dscr
- Date checked: 2026-10-16

## Vaster

- LenderTracker page: https://lendertracker.com/lenders/vaster/
- Website: https://www.vaster.com
- Status: tracked, published terms below
- Loan types: Bridge, Hard money, DSCR / rental
- Channel: Direct to investors
- States listed by lender: FL, NY
- Arizona: unknown; Tennessee: unknown
- Coverage note: Real estate financing for Florida and New York investors.
- Min FICO (lowest published): Not published
- Max purchase LTV: 65%
- Max cash-out LTV: Not published
- Min DSCR: No DSCR ratio option
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Not published
- Foreign nationals: Yes
- Advertised starting rate: Not published
- Notes: Up to 65% of property value; lends to foreign nationals with no U.S. credit history.
- Sources: https://www.vaster.com/
- Date checked: 2026-10-16

## Velocity Mortgage Capital

- LenderTracker page: https://lendertracker.com/lenders/velocity-mortgage-capital/
- Website: https://www.velocitymortgage.com
- Status: tracked, published terms below
- Loan types: DSCR / rental, Bridge
- Channel: Wholesale (through brokers)
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Min FICO (lowest published): Not published
- Max purchase LTV: Not published
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Flex I/O 24-month loan: no prepayment penalty.
- Short-term rentals: Not published
- Foreign nationals: Yes
- Advertised starting rate: Not published
- DSCR / rental program: notes: 30-year fixed; interest-only up to 10 years
- Bridge program: notes: Flex I/O 24-month interest-only, no prepay
- Foreign national program: max ltv: Up to 65%; notes: No U.S. credit required
- Sources: https://www.velocitymortgage.com/mortgage-programs/
- Date checked: 2026-10-16

## Visio Lending

- LenderTracker page: https://lendertracker.com/lenders/visio-lending/
- Website: https://visiolending.com
- Status: tracked, published terms below
- Loan types: DSCR / rental
- Channel: Direct to investors
- States listed by lender: Not published (coverage unknown)
- Arizona: unknown; Tennessee: unknown
- Coverage note: Describes nationwide DSCR lending.
- Min FICO (lowest published): 680
- Max purchase LTV: 85%
- Max cash-out LTV: Not published
- Min DSCR: Not published
- Loan size: Not published
- Prepayment penalty: Not published
- Short-term rentals: Yes
- Foreign nationals: No
- Advertised starting rate: Not published
- DSCR / rental program: min fico: 680; max ltv: 85% purchase
- Notes: Visio states it does not lend to foreign nationals or non-permanent resident aliens.
- Sources: https://visiolending.com/, https://visiolending.com/lending-process/
- Date checked: 2026-10-16