THE RESEARCH LIBRARY
A closer look at individual providers for a specific borrowing need. See where AI platforms agree, what the evidence supports, and where to look more closely.
Showing 313–336 of 656 results
Independent research · Open methodologyVisio Lending is a good, conditional fit for a DSCR cash-out refinance on rental equity, with a published 75% maximum cash-out LTV, a stated 30-day seasoning option, and qualification on pro
A&D Mortgage's DSCR program sets a 620 minimum FICO with cash-flow qualification instead of income verification, so some low-600s investors can qualify. Scores below 620 are not supported, a
Acra Lending is a mixed fit for low credit score DSCR investors. Its Investor Cash Flow program advertises a 600 minimum FICO and no income verification, but published minimums conflict and
Angel Oak Mortgage Solutions is a weak fit for a DSCR loan for a low credit score investor. Two of the seven platforms in this study named Angel Oak during the ranking stage, and both ranked
Griffin Funding is a mixed-to-good fit for a DSCR loan if your credit score is at least 620. It publishes no minimum DSCR and can fund sub-1.0 ratios, but low-FICO rates, down payment, and l
Harpoon Capital is a mixed fit for a low credit score DSCR loan. It advertises a 600 minimum FICO and no minimum DSCR, but it is a mortgage brokerage, not the funding lender, and it publishe
Kiavi is a weak fit for a DSCR loan for low credit score investors. Its rental loans underwrite on property cash flow with no tax returns or W-2s, but independent sources report a 660 minimu
Lima One Capital is a weak fit for a DSCR loan if your credit score is in the low 600s or below. Its DSCR rental program qualifies on property cash flow with no personal income documentation
RCN Capital is a weak fit for low credit score investors seeking a DSCR loan. Its published Long-Term Rental DSCR minimum FICO is 660, which excludes most borrowers in the low 600s or below,
Unconventional Lending (CreditQuick60 Program) is a mixed-to-uncertain fit for a DSCR loan for a low credit score investor. Two of seven platforms named it during ranking discovery, and it f
Visio Lending is a weak fit for a DSCR loan if your credit score is in the low 600s or below. Its DSCR Investor Loan qualifies on rental cash flow with 30-year fixed terms, but Visio's publi
Angel Oak Mortgage Solutions is a good fit for a DSCR purchase loan on a rental property when the borrower qualifies on projected rental cash flow, can meet credit and reserve requirements,
Griffin Funding is a good fit for a DSCR purchase loan on a rental property, with no minimum DSCR, a no-ratio program, and LLC vesting. The main limitation is disclosure: reserves, no-ratio
Kiavi is a good fit for U.S. investors buying non-owner-occupied rentals without W-2 income, qualifying on property cash flow with up to 80% LTV. Watch for conflicting minimum DSCR figures a
LendingOne is a good fit for U.S. investors buying a non-owner-occupied rental without W-2 income. Its DSCR Rental Loan qualifies on projected rent, allows LLC vesting, and advertises up to
Lima One Capital is a good fit for a DSCR purchase loan on a rental property, especially for investors without W-2 income buying a 1-9 unit rental with at least a 1.0 DSCR. Asset-based under
New Silver offers a 30-year fixed DSCR purchase loan underwritten on rental cash flow, with no personal income verification, up to 80% LTV, a 0.75 minimum DSCR, and 14-21 day closings. Rate,
RCN Capital is a good fit for a DSCR purchase loan on a rental property, using property cash flow instead of W-2 income and advertising up to 80% leverage for stronger credit. Its published
Visio Lending fits a DSCR purchase loan on a rental property: it qualifies borrowers on projected rental income without personal income verification, advertises up to 80% purchase LTV, and a
Angel Oak Mortgage Solutions is a good fit for an investor buying a U.S. property to operate as an Airbnb or VRBO rental, but it is not a frictionless one. Two of the seven platforms in this
Easy Street Capital is a good fit for a DSCR loan on a short-term rental Airbnb property, with conditions. Its EasyRent program accepts projected short-term rental income, including AirDNA R
Griffin Funding is a good fit for a DSCR loan on a short-term rental Airbnb property, subject to property-level verification.
Kiavi is a mixed-to-good fit for a DSCR loan on a short-term rental Airbnb property. It offers advertised leverage up to 80% LTV, rates as low as 6.125%, and 20-25 day closings, but Airbnb-s
LendSure Mortgage Corp is a good, not unequivocally strong, fit for a DSCR loan on a short-term rental Airbnb property. It accepts AirDNA data and 12-month Airbnb/VRBO earning summaries, but
