These are underwriting minimums, not a pre-approval. See the full LendingOne profile or compare requirements across the full lender directory.
LendingOne qualification minimums
| Minimum credit score | 640 |
|---|---|
| Minimum DSCR | 0.75 |
| Maximum LTV | 80% |
| Maximum LTC | 90% |
| Minimum loan size | $85K |
| Maximum loan size | $2.0M |
What these minimums mean for a borrower
A minimum credit score is a floor, not a pricing tier — clearing 640 makes a file eligible for review, but the best pricing generally goes to borrowers well above the floor.
DSCR (debt service coverage ratio) compares the property's rent to its projected mortgage payment. A minimum DSCR of 0.75 means rent must cover 75% of the payment — below 100%, so the property does not have to fully cash-flow to qualify, though pricing typically gets worse the further below 1.00 the ratio sits.
Maximum LTV of 80% sets the ceiling on leverage: the loan can't exceed that share of the property's value, so the borrower's down payment (or equity, on a refinance) has to make up the rest.
What LendingOne doesn't publish
- Entity/LLC vesting requirement — not publicly published.
- Exact state count — not publicly published; stated coverage area is National.
- Origination channel — not publicly published.
LendingOne Requirements FAQ
LendingOne's published minimum credit score is 640. This is a floor, not a guarantee of approval or of the best pricing.
LendingOne's published minimum DSCR is 0.75, meaning the property does not have to fully cover its own debt service to qualify.
LendingOne's published maximum LTV is 80%, with a maximum LTC of 90%.
LendingOne does not publish an LLC/entity-vesting requirement. Confirm directly before you set up your closing entity.
LendingOne does not publish a specific state count. Its stated coverage area is National; confirm your state directly before applying.
LendingOne does not publish its origination channel on the record used for this listing. Loan sizes run from $85K to $2.0M.
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.