LendingOne is a leading nationwide private lender specializing in fast, reliable fix-and-flip bridge loans, DSCR rental loans, and ground-up new construction financing.
For long-term rental loans - 5 Year with options down to No Prepayment Penalty Period.
Payment structure
Interest Only
Recourse
Sometimes
Closing speed
10 days typical · 5 days fastest
Prepayment structure
None
Cross-collateral
Yes
Equity / JV capital
Yes
Income documentation
No W-2s or Tax Returns Required. Underwriting is strictly asset-based for bridge and fix-and-flip products. DSCR rental loans qualify entirely on the subject property's gross rental income relative to PITI - personal DTI is not evaluated.
Borrower entity
LLC, Limited Partnership, Trust, or Corporation Required. LendingOne lends to business entities only - not to individuals. Loans must be closed under a qualifying business entity. Non-recourse options are available on select loan structures.
Experience required
Minimum 1 Completed Project Required for fix-and-flip and fix-to-rent loan types. Ground-up construction requires at least 1 prior completed ground-up build. Seasoned investors with more exits unlock higher leverage tiers and better rate pricing.
