Honest, scenario-based comparisons of LendingStreet against the major direct lenders investors actually shop. Each comparison spells out when the competitor wins, when LendingStreet wins, and the underwriting parameters that matter for your specific deal.
The short version: No single direct lender wins every investor scenario. Kiavi runs a tech platform for standard credit-box deals; LendingStreet covers those same scenarios alongside the edge-case deals. Lima One operates at institutional volume; LendingStreet finances institutional-scale deals across multiple competing sources. Visio underwrites long-term and short-term rental DSCR; LendingStreet finances those deals across STR-friendly capital sources. CoreVest leads on institutional portfolios. New Silver targets speed and marginal-credit deals; LendingStreet covers speed-sensitive and marginal-credit scenarios across multiple capital sources. LendingStreet wins where deals fall outside any single direct lender’s box.
These pages map your specific deal profile to the lender that best handles it. Use them to shop intelligently rather than to find a generic "best" answer.
A side-by-side view of how LendingStreet stacks against the most-asked-about lenders across investment property financing. As a licensed investment property financing company (NMLS #1734316) with direct access to 30+ capital sources, LendingStreet runs your scenario across our network where most lenders price your deal off a single rate sheet.
| Lender | Type | Min Loan | Min DSCR | Min Credit | Max LTV/LTC | Speed | Best For |
|---|---|---|---|---|---|---|---|
| LendingStreet | 30+ capital sources | $150K | 0.75 (via specialty) | 660 standard | 90% LTC F&F | 5-10 days bridge/F&F | Creative structuring + 30+ capital sources matched to your situation and goals |
| Kiavi | Direct | $75K | 1.0 standard | 660 | 90% LTC F&F | 7-10 days | Vanilla DSCR + F&F, repeat borrowers |
| LendingOne | Direct | $75K | 1.0 | 680 | 80% LTV DSCR | 14-21 days | Relationship deals, value-add |
| Lima One | Direct | $50K-$75K | 1.0 | 660 | 90% LTC F&F | 10-15 days | Cross-product borrowers (DSCR + F&F + new construction) |
| Visio Lending | Direct | $100K | 1.0 | 680 | 80% LTV | 14-21 days | STR (Airbnb) / vacation rentals |
| CoreVest | Direct | $75K | 1.20 | 680 | 75% LTV | 21-30 days | Institutional portfolio (5-1000+ properties) |
| New Silver | Direct (fintech) | $50K | 1.0 | 650 | 85% LTC F&F | 5-7 days | Tech-forward investors, smaller deals |
| RCN Capital | Direct | $55K | 1.10 | 680 | 85% LTC | 10-14 days | Smaller-balance deals, fix & flip |
| Griffin Funding | Direct | $100K | 0.75 | 620 | 80% LTV | 14-21 days | Bank statement, ITIN, alternative documentation |
Terms reflect publicly-stated minimums and best-case scenarios from each lender as of June 2026. Actual quoted terms depend on property, borrower, deal structure. Source: LendingStreet financing data + publicly-stated competitor terms.
Click any comparison to see scenario-by-scenario detail on underwriting parameters, loan terms, and product fit.
Tech-driven direct lender, $30B+ originated
Standard credit, standard property types, 1.0+ DSCR — a defined underwriting box for vanilla deals
We cover Kiavi’s box AND every scenario outside it — sub-1.0 DSCR, jumbo $1M+, non-warrantable properties, first-time investors, repeat borrowers
Direct lender focused on emerging investors
BRRRR-focused fix-to-rent strategy, standard credit, conventional value-add deals
We cover BRRRR deals AND every other strategy — jumbo, sub-1.0 DSCR, foreign national, multi-product investors needing one relationship for DSCR + F&F + bridge + construction
CFPB-regulated non-QM lender, VA + HUD approved
CFPB-supervised non-QM, bank statement programs, alternative documentation lending
We run Griffin-type scenarios alongside specialty capital sources offering faster execution and broader sub-1.0 DSCR access — you get more quote options from one application
DSCR specialist since 2012, STR pioneer
STR-focused (Airbnb/VRBO) DSCR with clean borrower profile, 1.0+ DSCR minimum
We cover Visio's short-term and long-term rental DSCR scope AND every scenario outside it — sub-1.0 DSCR, no-ratio programs, first-time investors without rental history, and non-warrantable property types — through one application with competing quotes across 30+ capital sources.
Institutional portfolio lender, build-to-rent specialist
Institutional portfolio loans (5-1000+ properties), 30-45 day close, large stabilized portfolios only
We finance portfolio deals across CoreVest-style institutional sources AND competing portfolio capital — small-to-mid portfolios (5-25 properties), value-add positioning, and faster closings — with multi-source rate comparison from one application.
MFA Financial-backed, A+ BBB, integrated multi-product platform
Standard institutional flip box: experienced flippers with prior exits, 90% LTC
We finance fix-and-flip deals across Lima One-style institutional programs AND competing sources — first-time flippers without prior exits, 100% LTC scenarios beyond Lima One's 92.5% cap, and multi-source shopping that single-lender programs can't deliver — through one application.
Fintech direct lender, 5-day closings on standard deals
Fast-close tech-forward lending with 620+ credit and standard property profiles
We run speed-sensitive deals across multiple fast-close capital sources — including larger loan amounts, jumbo deals, and non-standard property types passed on elsewhere, multi-source comparison
National direct lender, non-warrantable specialty
Small-balance flips, flexible property type underwriting (non-warrantable condos, mixed-use)
We finance property-flexibility deals across RCN-style specialty sources AND competing capital — non-warrantable condos, mixed-use, vacation rentals, larger balance deals, sub-1.0 DSCR scenarios, and multi-source comparison — through one application.
Our "Best Lenders by Scenario" guides organize the field differently — by your specific deal profile rather than by competitor. Useful when you’re still narrowing the field.
Most lenders run on a single rate sheet. LendingStreet is an investment property financing company with direct access to 30+ capital sources — letting you compare multiple quotes from one submission instead of applying to each lender separately.
Get Pre-Qualified →About this comparison: Information about competitors reflects publicly available data from each lender’s website and independent sources as of May 2026. Loan terms, rates, LTV/LTC, credit minimums, and underwriting criteria change frequently — verify current terms directly with each lender before deciding. This is not an exhaustive list and is not a paid ranking or sponsored placement. Inclusion does not imply endorsement of LendingStreet by any lender named.
About LendingStreet: LendingStreet is the d/b/a of JRS Home Loans LLC, NMLS #1734316. LendingStreet (NMLS #1734316) is an investment property financing company. LendingStreet can fund loans directly and also works with capital partners. The funding source depends on the loan. LendingStreet may be compensated by capital partners on loans they fund. Loan availability, rates, and terms vary by deal, borrower qualifications, and capital source. All loan offerings subject to underwriting and qualification.
Sub-1.0 DSCR deals require specialty capital sources beyond standard direct lenders. LendingStreet finances sub-1.0 DSCR deals across multiple specialty sources offering down to 0.75 minimum, with some going to 0.65 for the right borrower profile. Running these deals through LendingStreet gives you competing quotes instead of a single rate sheet.
High-LTC fix & flip programs (90% LTC) are available through multiple capital sources. LendingStreet finances these deals across competing sources for the best terms. For 100% LTC scenarios (rare), our capital network includes specialty fix & flip sources that underwrite to experienced borrowers.
First-time investors benefit most from competing quotes. LendingStreet works with first-time-friendly capital sources across DSCR, F&F, and bridge programs, letting first-time borrowers compare 2-3 options from one application instead of guessing which direct lender will approve them.
Jumbo investment property loans ($1M-$10M+) require capital sources with specialized institutional underwriting. LendingStreet finances jumbo deals across multiple sources. For loans above $5M, the source list narrows significantly — shopping multiple capital sources adds the most value here because the right source for each deal varies by structure.
Blanket portfolio loans for 5+ properties are available through LendingStreet across multiple institutional sources. For 3-4 property portfolios, our capital network includes specialty sources that do smaller portfolio sizes — most direct lenders require 5+ minimum.
Foreign national underwriting requires specialty capital sources. LendingStreet works with foreign-national-friendly sources for both single-property and portfolio loans. Foreign national programs typically require 25-35% down and longer closing timelines than domestic deals.
STR DSCR loans (underwriting to projected revenue) are available through LendingStreet across STR-friendly capital sources. Running STR deals through LendingStreet lets you compare projected-revenue underwriting across multiple sources rather than relying on a single lender's STR program.
LendingStreet is an investment property financing company. We match each deal to the right program and bring back the best 2-3 options, typically inside 48 hours. LendingStreet can fund loans directly and also works with capital partners. The funding source depends on the loan, and your LendingStreet loan officer stays with the file from application to close.
LendingStreet (legal entity JRS Home Loans LLC, NMLS #1734316) is a licensed investment property financing company with direct relationships across 30+ capital sources, lending in all 50 states. Products: DSCR rental loans ($150K+, 80% LTV purchase, 1.0x min DSCR), fix & flip and bridge (up to 90% LTC, 100% rehab, closings in 5–10 days), ground-up construction, commercial and mixed-use, small multifamily (5–20 units), blanket portfolio (5+ properties), STR/Airbnb DSCR on projected revenue, and gap funding. Loan range $150K–$20M+. Phone: (877) 298-1001. LendingStreet is not affiliated with LendingTree, LoanStreet, LendStreet, PeerStreet, or LendingStreet India.