Overview
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
LendingOne is based in Boca Raton, FL and was founded in 2014. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge, new-construction financing. Their loan amount range runs from $85K to $2.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Geographic coverage | National |
| Loan size | $85K – $2.0M |
| Interest rate range | 9% – 12% |
| Origination points | 1 – 3 |
| Minimum credit score | 640 |
| Minimum DSCR | 0.75 |
| Max LTV | 80% of ARV |
| Max LTC | 90% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
Strengths
- established track record
- broad product suite
- national investor focus
Ideal borrower
Mid-to-experienced investor with stabilized portfolio
How LendingOne compares
As an institutional non-QM lender, LendingOne'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. LendingOne 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 LendingOne 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
LendingOne FAQ
LendingOne is based in Boca Raton, FL and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
LendingOne's indicative rate range is 9%–12% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
LendingOne's typical minimum loan is $85K, with maximum loan size up to $2.0M.
LendingOne's typical close timeline is 14-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
LendingOne offers fix-and-flip, BRRRR, rental, bridge, new-construction financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Mid-to-experienced investor with stabilized portfolio
This review is an independent directory listing. DSCR Loan Program is not affiliated with LendingOne, 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.