Tidal Loans
Direct lender. Published as nationwide. Published company identifier: NMLS 1979189.
Provider identity
- Public brand
- Tidal Loans
- Legal name
- Tidal Loans
- Company ID
- NMLS 1979189
- Model
- Direct lender since 2016
- Coverage
- The company describes nationwide funding and highlights TX, FL, GA, OH, LA, TN, and IN. Confirm the property state.
Published program
- Loan range
- Not published
- Terms and purpose
- Purchase and refinance for investment property
- Short-term rental
- Published as supported
- Foreign national
- Not published
- Entity vesting
- Published as supported
- First-time investor
- Not published
Eligible property types published
What stands out
- No minimum credit-score cutoff
- Below 1.0 DSCR considered
- LLC closing available
Sources and limits
No stated cutoff does not mean automatic qualification. Lower credit or cash flow can change leverage, pricing, reserves, or eligibility.
- Official DSCR program and company disclosure
- NMLS Consumer Access, search company ID 1979189
Checked 2026-08-20. Public product pages can lag current underwriting. Ask the provider to identify the legal lender, confirm property-state authority, and put all terms in writing.
Compare this provider correctly
Send the same property address, loan amount, credit range, rent documentation, and reserve estimate to at least three providers. Compare rate, total points, all fees, prepayment penalty, cash to close, and the DSCR calculation on the same day.
Compare real estate lendersEducational only. Not financial, legal, or tax advice. Big Brain Funding is not a lender or broker of record. This profile is not an endorsement, rate quote, approval, or offer to lend. Verify licensing, coverage, and current program details directly.