Acra Lending Review 2026: DSCR Terms, Citadel Servicing

Acra Lending is the trade name of Citadel Servicing Corporation, an Irvine, California non-QM mortgage lender (NMLS 144549). Its rental loan for investors is called Investor Cash Flow / DSCR. It sits in a menu of more than a dozen programs that also covers bank-statement, 1099, ITIN, foreign national and jumbo non-QM loans. Most of Acra's loans come to it through mortgage brokers. This review covers Acra's DSCR terms, how you reach it with or without a broker, and what public reviews and complaint records say about Acra Lending.

Acra Lending and Citadel Servicing are the same company

Citadel Servicing Corporation started operating as Acra Lending on January 4, 2021, HousingWire reported that day. Funds managed by HPS Investment Partners had bought the company in February 2020. Keith Lind, then executive chairman and president, said the new name reflected the time and resources the company had put into "internalizing customer feedback."

The Citadel name never went away. Acra's rate sheets read "Acra Lending is a DBA of Citadel Servicing Corporation," and its company page lists the Hawaii license under "Citadel Servicing Corporation dba Acra Lending." Citadel Servicing now runs the loan servicing side. If your loan came from Acra, citadelservicing.com is where you pay, request a payoff and download documents. The foreclosure FAQ on Acra's home loans page says Citadel Servicing "does not offer loan modifications or forbearances."

Ownership has moved up the chain since the rebrand. BlackRock agreed to buy HPS on December 3, 2024 and closed the deal on July 1, 2025, Morningstar DBRS reported. Shawn Stone, formerly CEO of LendingPoint and an executive at Mr. Cooper for about 20 years, became Acra's CEO in August 2025. Lind moved to chairman of the board.

Other businesses use the Citadel name, among them the Citadel investment firm and Citadel Federal Credit Union in Pennsylvania. This lender's owner is HPS, now part of BlackRock. A review or complaint that mentions Irvine, 3 Ada Parkway or NMLS 144549 is about Acra.

Getting an Acra DSCR loan through a broker or direct

Morningstar DBRS reported in July 2025 that about 83% of Acra's originations came through wholesale (brokers), about 14% through correspondent lenders and about 3% through its own retail desk. Acra originated or acquired more than 7,000 loans in 2024 with an unpaid balance above $3.5 billion, the same report says.

The DSCR program page is written for brokers. It offers a broker approval package and asks for an individual and company NMLS number. It says brokers can be paid by the lender, by the borrower, "or a combination of the two up to 4 points." If a broker brings you an Acra loan, ask where that compensation shows up in your closing costs.

You can also contact Acra yourself. Its home loans page lists Investor Cash Flow / DSCR among its programs and says you can speak with one of its licensed loan officers at (888) 800-7661. That page publishes no DSCR terms. Ask the loan officer whether the direct channel prices DSCR loans off the same program summary brokers use.

Acra Lending's Investor Cash Flow / DSCR terms

Acra qualifies the loan on the subject property's DSCR, with "no income or job verification," and the loan must be for a non-owner-occupied property. The table comes from Acra's wholesale DSCR program summary, effective October 23, 2026.

The eligible list leaves out 5+ unit buildings and mixed-use property. Acra's company page says it lends to investors in every state and DC except South Dakota.

DSCR below 1.0 and no-ratio loans

Acra will lend when the rent doesn't cover the payment, or without calculating a ratio at all. Those loans need a 640 credit score and top out at 75% LTV on a purchase, 70% on a rate-and-term refinance and 65% on a cash-out.

Foreign nationals, ITIN borrowers and first-time buyers

The program takes U.S. citizens, permanent residents, non-permanent residents, foreign nationals and ITIN borrowers. Foreign nationals can borrow up to 70% LTV on a purchase and 65% on a refinance. ITIN loans max out at $1 million with a 640 minimum score. Non-permanent residents can borrow up to $1.5 million at 80%.

A first-time homebuyer can use the program with a 700 score, a DSCR of 1.15 or higher, 70% max CLTV, a loan of $1 million or less, escrowed taxes and insurance, and 6 months of reserves. That borrower can't take interest-only.

Prepayment penalties

The summary lists prepay terms from one to five years. A five-year term can be 5% flat each year or a 5-4-3-2-1 step-down. Three- and four-year terms run at 5% or 3% flat, and one- and two-year terms at 3%. The DSCR product page also lists "No Prepay Options available." Ask whether a loan with no prepay changes your rate or the broker's fee.

Some states force a buy-out of the prepay. The summary lists all residential 1-4 unit loans in Alaska, Michigan, New Mexico and Ohio, all loans in Maryland, and narrower cases in Illinois, Mississippi, New Jersey, Pennsylvania, Rhode Island, Virginia and Vermont. Ask your broker how a buy-out changes your quote.

Acra Lending rates and fees

Acra publishes no DSCR rates or closing costs for borrowers. Its rate sheets page posts wholesale DSCR pricing marked "for mortgage professionals only," so we don't reproduce those numbers. Acra also runs a Platinum pricing tier that covers DSCR loans, which its site pitches to brokers for borrowers with 700+ credit scores. Your quote comes from a broker or an Acra loan officer.

Acra Lending reviews

Trustpilot's page for acralending.com showed a 4.5 TrustScore from 144 reviews in search results on November 3, 2026. Positive reviews there often name an individual account executive and describe fast, clear service. The page also carries one-star reviews, including one about customer service, and Trustpilot's profile says Acra hasn't replied to negative reviews.

We found no Better Business Bureau, Google or Zillow rating for Acra Lending or Citadel Servicing in our searches.

Acra Lending and Citadel Servicing complaints

CrowdfundedWealth reported on October 20, 2026 that the CFPB complaint database held 139 complaints filed under Acra Intermediate Holdings, LLC between June 2020 and September 2026. It counted 119 mortgage complaints, 97 of them about struggling to pay or trouble during the payment process. The same report says Acra closed 74 with an explanation, 58 with non-monetary relief and 5 with monetary relief, and answered 138 of 139 on time. We could not check the CFPB database ourselves.

Morningstar DBRS ranks Acra MOR RO2 as a residential mortgage originator, with the trend at Stable, per its July 2025 report. Our searches on November 3, 2026 found no enforcement action, consent order or lawsuit naming Citadel Servicing Corporation or Acra Lending.

Which investors Acra's DSCR terms cover

The program summary covers:

• rentals that cash-flow below 1.0, or deals where you don't want a ratio calculated, at 640+ credit
• foreign nationals, ITIN borrowers and non-permanent residents
• loans from $100,000 to $3 million on 1-4 unit, condo, condotel, manufactured and rural property
• short-term rentals, at 75% LTV on a purchase

It leaves out:

• credit scores below 600
• 5+ unit and mixed-use buildings
• property in South Dakota
• a home you live in

Acra Lending FAQ

Is Acra Lending legit?

Acra Lending is the trade name of Citadel Servicing Corporation, NMLS 144549, at 3 Ada Parkway in Irvine, California. Morningstar DBRS says the company has originated loans since 2013 and that funds managed by HPS Investment Partners bought it in 2020.

Is Acra Lending the same as Citadel Servicing?

Yes. Citadel Servicing Corporation renamed its lending business Acra Lending in January 2021. Citadel Servicing still services the loans at citadelservicing.com.

Can I get an Acra Lending DSCR loan without a broker?

Yes. Acra's retail desk takes calls at (888) 800-7661. About 3% of its originations come through that channel, per Morningstar DBRS in July 2025. The rest come from brokers and correspondent lenders.

What credit score does Acra Lending need for a DSCR loan?

The program summary sets a 600 minimum. DSCR below 1.0, no-ratio, interest-only, ITIN and short-term rental loans need 640. First-time homebuyers need 700.

Does Acra Lending allow a DSCR below 1.0?

Yes. Acra allows ratios below 1.0 and no-ratio loans at a 640 score, with LTV capped at 75% on a purchase and 65% on a cash-out refinance.