AC
Acra Lending
Direct LenderAcra Lending (formerly Citadel Servicing) offers DSCR loans down to 0.75 with transparent rate-sheet pricing, making them a top choice for cash-flow-focused investors.
Key Terms*
Min FICO600
Max LTV85%
Min DSCR0.80
Close Time25 days
PointsZero points
Prepay1-5 yr or none
*Estimated terms based on publicly available program guidelines. Actual terms may vary by deal. Verify directly with Acra Lending before applying.
Eligible Property Types
SFRTownhomeDuplexRural3-4 UnitCondoCondotelManufactured
Capabilities
Interest-OnlyCash-Out RefiSTR/AirbnbSeller ConcessionsNo Ratio DSCRForeign NationalBridge/Fix-Flip
State Coverage
Licensed in 42 of 50 states + DC
AL
AK
AZ
AR
CA
CO
CT
DE
DC
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
ND
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VA
WA
WV
WI
WY
Green = licensed · Gray = not licensed. State data sourced from NMLS.
Company Information
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