Wholesale DSCR & Non-QM Aggregator · Wholesale Non-QM & DSCR Credit Shelf

Acra Lending ( Citadel Servicing ) — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Acra Lending is an institutional Non-QM and DSCR wholesale lender offering flexible credit-box exceptions, sub-1.00x DSCR tiers, and AirDNA short-term rental underwriting.

2026 Rate Band

6.250% – 8.375%

Max Purchase LTV

80% LTV

Max Cash-Out LTV

75% LTV

Min DSCR / FICO

0.75x – 1.20x · 620+

Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Acra Lending ( Citadel Servicing ) Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Acra Lending ( Citadel Servicing ) against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Compare Against 45+ Shelves →Audit Term Sheet

Acra Lending ( Citadel Servicing ) — Institutional Underwriting Matrix

Headquarters & Footprint	Irvine, CA
Loan Amount Range	$150,000 – $5,000,000
Typical Closing Window	14 – 18 Business Days
Prepayment Penalty Options	5-Yr, 3-Yr, 1-Yr, No-PPP
Eligible Entity Vesting	LLC, LP, Corporation, Individual
Core Program Specialties	Sub-1.00x No-Ratio DSCR Short-Term Rental AirDNA DSCR ITIN & Foreign National