DSCR lenders that publish a minimum below 1.0x or a no-ratio option, meaning rent doesn’t have to fully cover the payment. These usually require more down payment and reserves.
18 lenders · checked October 16, 2026 · open full table with filters
| Lender | Loan types | Min FICO | Max purchase LTV | Max cash-out LTV | Min DSCR | Loan size | STR | Foreign national | Coverage |
|---|---|---|---|---|---|---|---|---|---|
| 5th Street CapitalWholesale (broker-facing) | DSCR / rental | 660 | 85% | 80% | No-ratio option | $250K–$3.5M | Yes | Yes | — State not confirmed. Verify. |
| A&D MortgageDirect to investors | DSCR / rental | — | — | — | As low as 0 (no-ratio) | Up to $3M | Yes | Yes | — State not confirmed. Verify. |
| Angel Oak Mortgage SolutionsWholesale (through brokers) | DSCR / rental | 680 | 85% | — | Below 1.0 / no-DSCR options | $100K–$3M | Yes | Yes | — State not confirmed. Verify. |
| Capital Funding FinancialDirect to investors | DSCR / rentalFix & flipBridgeHard money | 660 | 80% | — | 0.75x | $200K–$10M | — | Yes | — State not confirmed. Verify. |
| CoreVest FinanceDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | — | 0.8x | From $75K | Yes | — | — State not confirmed. Verify. |
| Defy MortgageDirect to investors | DSCR / rental | 640 | 85% | 80% | 0.75x | — | — | Yes | 40 states State not confirmed. Verify. |
| Easy Street CapitalDirect to investors | DSCR / rentalFix & flipBridge | 600 | — | — | No minimum | $75K–$5M | Yes | — | DSCR in 48 states. Fix-and-flip excludes LA, MN, ND, SD and … State not confirmed. Verify. |
| Express Capital FinancingDirect to investors | DSCR / rentalFix & flip | 600 | 85% | 75% | 1.0x (no-DSCR option) | $50K–$3M | Yes | Yes | DSCR nationwide. Fix-and-flip nationwide except ND, SD, NV, … State not confirmed. Verify. |
| Griffin FundingDirect to investors | DSCR / rental | 620 | 85% | 80% | No minimum | $100K–$4.5M | Yes | Yes | All 50 + DC State not confirmed. Verify. |
| HomeAbroadMortgage company focused on foreign nationals | DSCR / rental | — | 75% | 70% | 0.75x | From $100K | Yes | Yes | — State not confirmed. Verify. |
| KiaviDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | — | 0.8x | $75K–$5M | — | — | Homepage states lending in 49 states + DC (excluded state no… State not confirmed. Verify. |
| LendingOneDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | 75% | 0.75x | $85K–$3M | Yes | — | 47 states State not confirmed. Verify. |
| New SilverDirect to investors | DSCR / rentalFix & flip | 650 | 80% | — | 0.75x | $100K–$5M | Yes | — | All 50 + DC State not confirmed. Verify. |
| NewfiDirect to investors | DSCR / rental | 640 | 80% | 80% | 0.75x | — | Yes | — | — State not confirmed. Verify. |
| Park Place FinanceDirect to investors | DSCR / rentalFix & flipBridge | 660 | 85% | 75% | 0.75x | $100K–$5M | Yes | — | Lends in 46 states (specific states not listed in text). State not confirmed. Verify. |
| Temple View CapitalDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | — | 0.75x | $55K–$6M | Yes | Yes | Describes nationwide lending. State not confirmed. Verify. |
| UprightDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | 75% | 0.9x | $100K–$3M | Yes | — | — State not confirmed. Verify. |
| VasterDirect to investors | BridgeHard moneyDSCR / rental | — | 65% | — | No DSCR ratio option | — | — | Yes | FL, NY State not confirmed. Verify. |