Overview
LendingOne (based in Boca Raton, FL, hard money) and Renovo Financial (based in Chicago, IL, hard money) are both non-QM lenders serving real estate investors. LendingOne serves National; Renovo Financial serves Chicago / national.
LendingOne's figures were checked against its published materials as of 2026-09-17; the other lender's figures below are not independently dated and should be confirmed directly. Rates and terms change and are not a quote for either lender.
LendingOne vs Renovo Financial: attribute by attribute
| Attribute | LendingOne | Renovo Financial |
|---|---|---|
| Interest rate range | 9%–12% | 9.5%–12.5% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 640 | Not publicly published |
| Minimum DSCR | 0.75 | Not publicly published |
| Max LTV | 80% | 85% |
| Max LTC | 90% | 90% |
| Minimum loan size | $85K | $100K |
| Maximum loan size | $2.0M | $5.0M |
| Typical close time | 14-21 days typical | 7-14 days typical |
| Founded | 2014 | 2011 |
| Headquarters | Boca Raton, FL | Chicago, IL |
Which one fits which borrower
- LendingOne publishes a minimum DSCR of 0.75; Renovo Financial does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- LendingOne publishes a minimum credit score of 640; Renovo Financial does not publish one.
- Renovo Financial's max LTV is 85% against LendingOne's 80% — on the same purchase price, Renovo Financial's published leverage lets a borrower put down less cash.
- LendingOne's minimum loan size is $85K, below Renovo Financial's $100K floor — LendingOne is the fit for a smaller deal that would fall under Renovo Financial's minimum.
- Renovo Financial's maximum loan size is $5.0M, above LendingOne's $2.0M ceiling — a larger transaction may need to go to Renovo Financial.
- Renovo Financial was founded in 2011, 3 years before LendingOne (founded 2014) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- LendingOne full profile and review
- Renovo Financial full profile and review
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LendingOne vs Renovo Financial FAQ
LendingOne's published rate range is 9%–12%. Renovo Financial's published rate range is 9.5%–12.5%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
LendingOne publishes a minimum credit score of 640. Renovo Financial does not publish a minimum credit score.
LendingOne's minimum DSCR is 0.75. Renovo Financial does not publish a minimum DSCR.
LendingOne's loan size runs $85K to $2.0M. Renovo Financial's loan size runs $100K to $5.0M.
LendingOne's typical close time is 14-21 days typical. Renovo Financial's typical close time is 7-14 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
LendingOne's max LTV is 80% and max LTC is 90%. Renovo Financial's max LTV is 85% and max LTC is 90%.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with LendingOne or Renovo Financial, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.