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’s marketplace covers those same scenarios alongside the edge-case deals. Lima One operates at institutional volume; LendingStreet’s marketplace places institutional-scale deals across multiple competing sources. Visio underwrites long-term and short-term rental DSCR; LendingStreet’s marketplace places those deals across STR-friendly capital sources. CoreVest leads on institutional portfolios. New Silver targets speed and marginal-credit deals; LendingStreet’s marketplace 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 firm (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 | Creativity + 30+ source marketplace matched to your situation and goals |
| Kiavi | Direct | $75K | 1.0 standard | 660 | 90% LTC F&F | 7-10 days | Only operating in their own internal credit box |
| LendingOne | Direct | $75K | 1.0 | 680 | 80% LTV DSCR | 10-21 days | Only operating in their own internal credit box |
| Lima One | Direct | $50K-$75K | 1.0 | 660 | 90% LTC F&F | 10-15 days | Only operating in their own internal credit box |
| Visio Lending | Direct | $100K | 1.0 | 680 | 80% LTV | 14-21 days | Only operating in their own internal credit box |
| CoreVest | Direct | $75K | 1.20 | 680 | 75% LTV | 21-30 days | Only operating in their own internal credit box |
| New Silver | Direct (fintech) | $50K | 1.0 | 650 | 85% LTC F&F | 5-7 days | Only operating in their own internal credit box |
| RCN Capital | Direct | $55K | 1.10 | 680 | 85% LTC | 10-14 days | Only operating in their own internal credit box |
| Griffin Funding | Direct | $100K | 0.75 | 620 | 80% LTV | 14-21 days | Only operating in their own internal credit box |
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 placement 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
Our marketplace covers 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
Our marketplace covers 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
Our marketplace runs 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
Our marketplace covers 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
Our marketplace places 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
Our marketplace places 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
Our marketplace runs 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)
Our marketplace places 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 firm 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. We are a licensed mortgage broker, not a direct lender, placing loans through 30+ direct capital sources. LendingStreet earns a broker fee on placed loans. Loan availability, rates, and terms vary by deal, borrower qualifications, and capital source. All loan offerings subject to underwriting and qualification.