LendingOne for California investors
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.
California context
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities.
How LendingOne positions in California
The California lender pool for DSCR includes LendingOne among the active platforms. California top metros (Los Angeles, San Francisco, San Diego) see meaningful LendingOne loan volume.
City-level coverage in California
LendingOne provides DSCR coverage across California metros including Los Angeles, San Francisco, and San Diego. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne program terms apply uniformly across California metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| California property tax | 0.7% |
| California state income tax | 13.3% |
LendingOne strengths in California
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including California. LendingOne is based in Boca Raton, FL and operates nationally.
Los Angeles is the top investor market in California and falls within LendingOne national coverage. Los Angeles property tax follows the California state rate of 0.7 percent. LendingOne typically underwrites Los Angeles acquisitions at standard rate sheets.
Yes. San Francisco ranks among the larger California investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within San Francisco matters for property selection.
LendingOne applies the same rate sheet across California metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Los Angeles, San Francisco, and San Diego all qualify for the same LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in California.
California has some restrictions on prepayment penalty structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
LendingOne in California works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.