Overview
Lendai Finance specializes in foreign-national DSCR — non-US-resident investor financing on US real estate, a category most lenders won't touch.
Lendai Finance is based in New York, NY and was founded in 2018. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge, foreign-national financing. Their loan amount range runs from $75K to $3.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, foreign-national |
| Geographic coverage | National |
| Loan size | $75K – $3.0M |
| Interest rate range | 9.5% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 75% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
Strengths
- foreign-national DSCR specialist
- experienced cross-border underwriting
Ideal borrower
Foreign-national investor or LLC-wrapped investor
How Lendai Finance compares
As an institutional non-QM lender, Lendai Finance's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Lendai Finance serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Lendai Finance cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Lendai Finance FAQ
Lendai Finance is based in New York, NY and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Lendai Finance's indicative rate range is 9.5%–12% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Lendai Finance's typical minimum loan is $75K, with maximum loan size up to $3.0M.
Lendai Finance's typical close timeline is 14-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Lendai Finance offers fix-and-flip, BRRRR, rental, bridge, foreign-national financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Foreign-national investor or LLC-wrapped investor
This review is an independent directory listing. DSCR Loan Program is not affiliated with Lendai Finance, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.