StackDesk

Outreach list · not endorsements · dated Aug 2026

Shop the first.

Four bands. Score against this file’s LTV, CLTV, DSCR, credit, occupancy, and subordinate policy. No stars. No “you’re approved.” Confirm NMLS / Florida OFR before you rely on a card.

Live file · rev 1

$500,000 · first $350,000 · second $150,000 · check $14,650

  • AFR floor met
  • AFR not locked
  • Below usury cap
  • CLTV 100% over cap
  • Senior DSCR
  • Investment occupancy
  • Zero down · check still due
Edit on the deskTriangleSourceEmail

Overlay matrix — firsts only

ShopBandFICOLTVCLTVDSCRSubordCRE boxIOFit
Mortgage-World.comDSCR—65%65%1no—yesNo
First Florida FinancialDSCR62085%85%1no—yesNo
DSCR Capital PartnersDSCR62085%85%1no—yesNo
MbancDSCR64080%80%1no—yesNo
New American FundingDSCR62080%80%1no—noNo
KiaviDSCR66080%80%1no—yesNo
Visio LendingDSCR62080%80%1no—yesNo
Lima One CapitalDSCR66080%80%1no—yesNo
Angel OakDSCR62080%80%1no—noNo
CoreVestDSCR66075%75%1.2nopublishedyesNo
Gelt FinancialHM—65%65%—silentpublishedyesNo
Soviero CapitalHM—65%70%—allowedpublishedyesNo
Stratton EquitiesHM—70%70%—silent—yesNo
Bennett Capital PartnersHM—65%65%—silentpublishedyesNo
Unitas FundingHM—75%75%—no—yesNo
Benworth CapitalHM—65%70%—allowedpublishedyesNo
LendingOneHM66075%75%—no—yesNo
Local private first (you name them)HM—70%100%—allowed—yesFits

This file: 70% LTV · 100% CLTV · credit 620 · NOI $4,000/mo. Indicative bands, not locks.

DSCR / Non-QM · broker · Florida (broker)

Mortgage-World.com

No
Min FICO
No floor
Max LTV / CLTV
65% / 65%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
mid–high 7s to 9s
Points
1–2

No minimum credit at 55% LTV or below; 600 FICO up to 65% LTV. Best fit when credit is the binding constraint. A 70% first will not fit this box.

  • First is 70% LTV; this shop’s ceiling is 65%.
  • CLTV 100% over this shop’s 65% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for Sub-620 DSCR at lower LTV · NMLS #1630225 · NMLS · verified Aug 2026 — confirm before outreach

DSCR / Non-QM · broker · Fort Myers

First Florida Financial

No
Min FICO
620
Max LTV / CLTV
85% / 85%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
high 6s to 8s
Points
0–2

Broker. Finances up to 8-unit and mixed-use. Statewide reach out of Fort Myers. Ask overlay on recorded seconds — most investor DSCR does not allow them.

  • CLTV 100% over this shop’s 85% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for 2–8 unit and mixed-use · verified Aug 2026 — confirm before outreach

DSCR / Non-QM · broker · National / Florida

DSCR Capital Partners

No
Min FICO
620
Max LTV / CLTV
85% / 85%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
7s to 9s
Points
1–2

Also serves foreign nationals with no US credit history. Treat max CLTV as first-lien only unless the desk confirms a subordinate program in writing.

  • CLTV 100% over this shop’s 85% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for Foreign national and 620+ DSCR · verified Aug 2026 — confirm before outreach

DSCR / Non-QM · direct · Florida

Mbanc

No
Min FICO
640
Max LTV / CLTV
80% / 80%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
high 6s to 8s
Points
0–1.5

640 minimum across all DSCR programs statewide; tiered LTV by score.

  • Published min FICO 640 vs this file’s 620 band.
  • CLTV 100% over this shop’s 80% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for Cleaner credit, statewide · FL Mortgage Lender License #MLD1287 · verified Aug 2026 — confirm before outreach

DSCR / Non-QM · direct · National, Florida program

New American Funding

No
Min FICO
620
Max LTV / CLTV
80% / 80%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
high 6s to 8s
Points
0–2

National lender with a Florida DSCR program. 620+ typical minimum. Do not model a disclosed 100% CLTV stack against this card.

  • CLTV 100% over this shop’s 80% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for National DSCR with FL overlay · verified Aug 2026 — confirm before outreach

DSCR / Non-QM · direct · National / Florida

Kiavi

No
Min FICO
660
Max LTV / CLTV
80% / 80%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
7s
Points
1–2

Tech-forward DSCR / bridge. Verify current Florida licensing and whether any silent-second policy exists — do not assume it.

  • Published min FICO 660 vs this file’s 620 band.
  • CLTV 100% over this shop’s 80% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for Speed on 1–4 DSCR · verified Aug 2026 — confirm NMLS / OFR before outreach

DSCR / Non-QM · direct · National / Florida

Visio Lending

No
Min FICO
620
Max LTV / CLTV
80% / 80%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
7s to 9s
Points
1–2

Long-running DSCR shop. Foreign national programs exist. Confirm Florida overlay and CLTV on any second.

  • CLTV 100% over this shop’s 80% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for DSCR + foreign national · verified Aug 2026 — confirm before outreach

DSCR / Non-QM · direct · National / Florida

Lima One Capital

No
Min FICO
660
Max LTV / CLTV
80% / 80%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
7s
Points
1–2

DSCR and bridge. Verify still lending in FL and current credit box.

  • Published min FICO 660 vs this file’s 620 band.
  • CLTV 100% over this shop’s 80% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for 1–4 DSCR / light rehab · verified Aug 2026 — confirm before outreach

DSCR / Non-QM · direct · National / Florida

Angel Oak

No
Min FICO
620
Max LTV / CLTV
80% / 80%
Min DSCR
1.00x
Subordinate
no
CRE box
Not published
Rate band
high 6s to 8s
Points
0–2

Non-QM family including DSCR. Confirm product availability in the file’s county.

  • CLTV 100% over this shop’s 80% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for Non-QM / DSCR · verified Aug 2026 — confirm before outreach

DSCR / Non-QM · direct · National / Florida

CoreVest

No
Min FICO
660
Max LTV / CLTV
75% / 75%
Min DSCR
1.20x
Subordinate
no
CRE box
Published CLTV + subord
Rate band
mid 6s to 8s
Points
1–2

Portfolio / 5+ scale. Not a $500k SFR shop. Use when the file is a small multifamily or larger.

  • Published min FICO 660 vs this file’s 620 band.
  • CLTV 100% over this shop’s 75% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for 5+ / portfolio · verified Aug 2026 — confirm before outreach

Hard money / bridge · direct · Boca Raton

Gelt Financial

No
Min FICO
No floor
Max LTV / CLTV
65% / 65%
Min DSCR
n/a
Subordinate
silent
CRE box
Published CLTV + subord
Rate band
10–13
Points
2–4

One of the longest-running Florida hard-money shops. Loans from $100k. Tolerant of weak financials when the equity is there. Ask in writing whether a recorded seller second is allowed.

  • First is 70% LTV; this shop’s ceiling is 65%.
  • CLTV 100% over this shop’s 65% CLTV. A disclosed 70/30 is 100% CLTV.
  • Silent-second-after-close only. Most firsts treat an undisclosed second as fraud — get it in writing or don’t.

Best for Asset-based, weak financials · verified Aug 2026 — confirm before outreach

Hard money / bridge · direct · Jupiter

Soviero Capital

No
Min FICO
No floor
Max LTV / CLTV
65% / 70%
Min DSCR
n/a
Subordinate
allowed
CRE box
Published CLTV + subord
Rate band
10–13
Points
2–3

Family-run. Loans under $2.5M. Open to creative structuring — still get the subordinate policy in the term sheet, not a hallway yes.

  • First is 70% LTV; this shop’s ceiling is 65%.
  • CLTV 100% over this shop’s 70% CLTV. A disclosed 70/30 is 100% CLTV.

Best for Creative structure under $2.5M · verified Aug 2026 — confirm before outreach

Hard money / bridge · direct · National / Florida

Stratton Equities

No
Min FICO
No floor
Max LTV / CLTV
70% / 70%
Min DSCR
n/a
Subordinate
silent
CRE box
Not published
Rate band
10–14
Points
2–4

Underwrites on property value, not credit score. Works with recent foreclosure or short-sale history.

  • CLTV 100% over this shop’s 70% CLTV. A disclosed 70/30 is 100% CLTV.
  • Silent-second-after-close only. Most firsts treat an undisclosed second as fraud — get it in writing or don’t.

Best for Credit events, value-based · verified Aug 2026 — confirm before outreach

Hard money / bridge · broker · Florida (broker)

Bennett Capital Partners

No
Min FICO
No floor
Max LTV / CLTV
65% / 65%
Min DSCR
n/a
Subordinate
silent
CRE box
Published CLTV + subord
Rate band
10–13
Points
2–4

Broker into a network of asset-based private lenders. Typically 60–65% LTV, no credit check.

  • First is 70% LTV; this shop’s ceiling is 65%.
  • CLTV 100% over this shop’s 65% CLTV. A disclosed 70/30 is 100% CLTV.
  • Silent-second-after-close only. Most firsts treat an undisclosed second as fraud — get it in writing or don’t.

Best for No-credit-check private capital · verified Aug 2026 — confirm before outreach

Hard money / bridge · direct · Jacksonville

Unitas Funding

No
Min FICO
No floor
Max LTV / CLTV
75% / 75%
Min DSCR
n/a
Subordinate
no
CRE box
Not published
Rate band
10–13
Points
2–3

Bridge, fix-and-flip, rehab-and-rent, and ground-up construction on 1–4 unit residential. Open to first-time investors.

  • CLTV 100% over this shop’s 75% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for Fix-and-flip and ground-up 1–4 · verified Aug 2026 — confirm before outreach

Hard money / bridge · direct · Miami

Benworth Capital

No
Min FICO
No floor
Max LTV / CLTV
65% / 70%
Min DSCR
n/a
Subordinate
allowed
CRE box
Published CLTV + subord
Rate band
10–13
Points
2–4

Miami hard-money shop. Confirm current licensing and whether a recorded PMM second is acceptable on the file.

  • First is 70% LTV; this shop’s ceiling is 65%.
  • CLTV 100% over this shop’s 70% CLTV. A disclosed 70/30 is 100% CLTV.

Best for South Florida asset-based · verified Aug 2026 — confirm before outreach

Hard money / bridge · direct · National / Florida

LendingOne

No
Min FICO
660
Max LTV / CLTV
75% / 75%
Min DSCR
n/a
Subordinate
no
CRE box
Not published
Rate band
9–12
Points
1–3

Bridge / rental. Verify Florida footprint and subordinate policy before modeling a seller second behind them.

  • Published min FICO 660 vs this file’s 620 band.
  • CLTV 100% over this shop’s 75% CLTV. A disclosed 70/30 is 100% CLTV.
  • This shop’s published overlay does not allow subordinate financing.

Best for Bridge to rental · verified Aug 2026 — confirm before outreach

Hard money / bridge · network · Relationship — not vetted

Local private first (you name them)

Fits
Min FICO
No floor
Max LTV / CLTV
70% / 100%
Min DSCR
n/a
Subordinate
allowed
CRE box
Not published
Rate band
relationship
Points
relationship

A typed-in private first is not a StackDesk endorsement. Do not present an individual as vetted. License, usury, and OFR still apply.

  • Box-level fit on LTV, CLTV, credit band, and type — still not an approval.

Best for Relationship capital you already have · verified Not a verified shop

Credit unions (Suncoast, VyStar, Fairwinds) are a portfolio footnote only — investor overlays vary; call before you model 100% CLTV. Names parked until verified: Alpine, CMRE, iFund Cities, Patch of Land, Fund That Flip, and other relationship shops. Report outdated: mailto:hello@example.com?subject=StackDesk%20card%20outdated