{"model":"accessibility-1.0","thesis":"Weighted toward whether a borrower can qualify and how much they can borrow, rather than how quickly a file closes.","computedAsOf":"2026-08-12","publishedAt":"2026-08-12","commercialInputs":"none","lenders":[{"rank":1,"id":"griffin-funding","name":"Griffin Funding","score":91.6,"strongest":["Purchase LTV","Minimum credit score","Maximum loan","Cash-out LTV"],"weakest":["Rate-and-term LTV","Typical closing time","Minimum DSCR"]},{"rank":2,"id":"easy-street-capital","name":"Easy Street Capital","score":87.8,"strongest":["Minimum DSCR","Rate-and-term LTV","No-ratio path","First-time investors"],"weakest":["Purchase LTV","Maximum loan","Minimum credit score"]},{"rank":3,"id":"lima-one-capital","name":"Lima One Capital","score":72.1,"strongest":["Rate-and-term LTV","Minimum loan","First-time investors","Foreign-national borrowers"],"weakest":["Maximum loan","No-ratio path","Minimum DSCR"]},{"rank":4,"id":"new-silver","name":"New Silver","score":71.8,"strongest":["Cash-out LTV","States served","Rate-and-term LTV","First-time investors"],"weakest":["Published program variants","No-ratio path","Foreign-national borrowers"]},{"rank":5,"id":"lendingone","name":"LendingOne","score":68.4,"strongest":["Rate-and-term LTV","Minimum loan","First-time investors","Short-term rentals"],"weakest":["Maximum loan","Minimum credit score","No-ratio path"]},{"rank":6,"id":"angel-oak","name":"Angel Oak Mortgage Solutions","score":65.3,"strongest":["Minimum DSCR","States served","No-ratio path","Foreign-national borrowers"],"weakest":["Cash-out LTV","Minimum credit score","Rate-and-term LTV"]},{"rank":7,"id":"visio-lending","name":"Visio Lending","score":52.2,"strongest":["Rate-and-term LTV","First-time investors","Short-term rentals","Entity or LLC title"],"weakest":["Maximum loan","Minimum DSCR","Minimum credit score"]},{"rank":8,"id":"kiavi","name":"Kiavi","score":48.2,"strongest":["Cash-out LTV","Rate-and-term LTV","First-time investors","Entity or LLC title"],"weakest":["Minimum credit score","Maximum loan","Minimum loan"]}]}