This is not a rate quote. Rates change frequently and depend on credit, leverage, coverage ratio, property type and borrower experience — see the full LendingOne profile or compare terms across the full lender directory.
LendingOne rate and pricing terms
| Interest rate range | 9%–12% |
|---|---|
| Origination points | 1 – 3 |
| Max LTV | 80% |
| Max LTC | 90% |
| Minimum loan size | $85K |
| Maximum loan size | $2.0M |
| Typical close time | 14-21 days typical |
What moves your rate with LendingOne
LendingOne lists a minimum credit score of 640 and a minimum DSCR of 0.75. Falling below either threshold typically means a rate add-on or a decline rather than an automatic pass, since both feed the same risk-based pricing grid as leverage.
LendingOne highlights the following as differentiators: established track record; broad product suite; national investor focus.
What this rate range doesn't tell you
A quoted rate is never the whole cost. LendingOne's 1–3 points are paid at closing on top of the interest rate, and the exact point charged within that range depends on the specific deal. DSCR and hard-money pricing is also tiered rather than flat — lenders in this category generally price better as leverage drops and coverage ratio rises, and worse as either moves the other way. None of that tiering detail is published by LendingOne, so treat the range above as a starting point for a conversation, not a final number.
LendingOne Rates FAQ
LendingOne's indicative rate range is 9%–12%. These figures were last confirmed against LendingOne's published materials on 2026-09-17.
Yes. LendingOne's published origination points range is 1–3 points, in addition to the interest rate.
LendingOne's published maximum LTV is 80%. Lower leverage generally prices better than the maximum.
LendingOne's published minimum credit score is 640. Its published minimum DSCR is 0.75.
LendingOne's typical close timeline is 14-21 days typical. Close speed and rate are separate terms — a faster timeline is not itself a discount unless the lender states one.
No. LendingOne's rate range is indicative and changes with market conditions, credit, leverage, coverage ratio and borrower experience. Request a written quote directly from LendingOne before relying on any figure here.
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.