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LendingOne

LendingOne

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.
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LendingOne

777 Yamato Road, Suite 510, Boca Raton, Florida 33431
(561) 726-1862
Website

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

$6B+
Capital Deployed
2,100 (ttm)
Properties Funded
2014
Year Founded
Founded in 2014 and headquartered in Boca Raton, Florida, LendingOne is a direct, self-funded private mortgage lender that has grown into one of the largest residential investment lenders in the country, deploying over $6 billion across thousands of transactions. Their core suite covers fix-and-flip bridge loans, fix-to-rent (BRRRR) financing, DSCR 30-year rental loans, SFR portfolio credit facilities, and ground-up new construction - making them a true one-stop capital source for active real estate investors. What separates LendingOne from traditional lenders is their proprietary technology platform: investors can pre-qualify online 24/7, and LendingOne's self-funded structure lets them move without waiting on secondary market approval, closing qualifying deals in as few as 5 business days. FlipperForce investors applying for fix-and-flip or fix-to-rent financing can submit their itemized Rehab Estimator scope of work and FlipperForce Investment Reports directly as part of the loan package, giving LendingOne's underwriting team the deal-level detail they need to approve fast.

Where They Lend

Nationwide
46 States + DC (excl. AK, NV, ND, SD)
LendingOne lends across 46 states and Washington D.C., covering the full continental U.S. with the exception of Alaska, Nevada, North Dakota, and South Dakota. Their online platform allows investors in any eligible market to pre-qualify, submit deal packages, and track loan progress entirely through a digital portal - no branch visits or in-person meetings required.

Loan Types, Structures and Terms

$70,000 to $50,000,000
Typical Loan Amounts
9 to 24 Months
Typical Terms
Contact for current rates
Typical Interest Rates
0.75% to 1.99%
Typical Points
LendingOne offers a comprehensive suite of investment property loan products including fix-and-flip bridge loans, fix-to-rent (BRRRR) financing, 30-year DSCR rental loans, SFR portfolio credit facilities, and ground-up new construction loans.
Fix-and-Flip
LendingOne Fix-and-Flip Bridge Loans give residential investors fast, high-leverage acquisition and renovation financing to purchase, rehab, and resell distressed properties for profit - with no interest charged on undrawn rehab funds.
Fix & Flip Feature Structure & Terms
Project TypesSingle-family residences, condos, townhomes, 2-4 unit multi-family
Loan Limits & Terms$70,000 to $50,000,000 | 9 to 24 months | Interest-only on drawn funds, first-lien position
Leverage Ratios (LTC/ARV)Up to 90% of Purchase Price, 100% of Rehab Budget (Max 92.5% LTC / 75% ARV)
Structural AdvantagesNo interest charged on undrawn rehab funds. Proof of funds letters available. Finance multiple flips simultaneously with no active project caps. Borrow from your own cash, a partner, or equity in another investment property.
LendingOne New Construction Loans fund speculative and pre-sold residential ground-up builds from land acquisition through vertical completion, with milestone-based draw schedules and terms up to 24 months.
Construction Feature Structure & Terms
Project TypesSingle-family spec homes, infill 2-4 unit residential builds. Will lend on partially completed construction projects.
Loan Limits & Terms$500,000 to $5,000,000 | Up to 24 months | Interest-only on drawn construction funds, first-lien position
Leverage Ratios (LTC)Up to 75% of Land Acquisition, 100% of Construction Budget (Max 85% LTC / 70% After-Build Value)
Structural AdvantagesNo interest charged on undrawn construction funds. Fund structural builds from ground-breaking through vertical finish with milestone-based construction draw schedules. Builders can use the FlipperForce Scheduler and Project Budgeter to document a rigid contractor timeline and budget variance tracking that satisfies LendingOne's draw process requirements.
LendingOne DSCR Rental Loans provide long-term 30-year financing for single-asset rentals, short-term rentals, and SFR portfolios - with qualification based entirely on the property's cash flow, not the borrower's personal income.
Rental DSCR Feature Structure & Terms
Property TypesSingle-family residences, 2-4 units, condos, townhomes. Short-term vacation rentals (STRs) also eligible. No commercial properties.
Loan Limits & Products$70,000 to $50,000,000 | 30-Year Fixed, 30-Year Fixed with 10-Year IO, or 5/1 and 10/1 ARMs (IO options available) | Single-asset or SFR portfolio (5 to 100 properties, up to $200M credit facilities)
Leverage Ratios (LTV)Up to 80% LTV for purchases and rate-term refinances | Up to 75% LTV for cash-out refinances | Minimum DSCR: 0.75x | 3-month seasoning required
Structural AdvantagesBuy-down options available down to a full point with no interest rate floor. Prepayment penalty options from 5-year down to no prepay. BRRRR investors can calculate projected DSCR and validate their long-term rental exit inside the FlipperForce BRRRR Analyzer before refinancing out of their bridge loan.
LendingOne Short-Term Bridge Loans provide flexible, fast-close capital for real estate investors executing fix-to-rent acquisitions, rate-term refinances, cash-out transactions, or BRRRR-strategy rehabs with a planned DSCR long-term refi exit - including a 1% rate discount and 50% origination fee discount on the DSCR refinance when you close both loans with LendingOne.
Bridge Loan Feature Structure & Terms
Use CasesFix-to-rent acquisitions, rate-term refinances, cash-out refinances, BRRRR rehab-to-hold strategies with a planned DSCR long-term refi exit, and tenant-occupied transitional holds.
Property TypesSingle-family residences, 2-4 unit residential, condos. No commercial properties, rural areas, or owner-occupied homes.
Loan Limits & Terms$70,000 to $50,000,000 | 9-month maturity | Interest-only on drawn funds, first-lien position | Origination: 0.75% to 1.99% | No exit fees
Leverage Ratios (LTV/LTC)Short-Term Purchase (no value-add): Up to 75% LTP | Short-Term Refi: Up to 75% LTV | Rehab-and-Hold (BRRRR): Up to 90% purchase + 100% rehab, capped at 75% ARV
Structural AdvantagesFix-to-Rent borrowers receive an extra 1% off the total rate plus a 50% discount on origination fees when refinancing into a LendingOne DSCR rental loan. BRRRR investors can model projected DSCR and cash-on-cash returns inside the FlipperForce BRRRR Analyzer before committing to the bridge, validating their rental exit before closing.

Borrower Qualifications (Are you qualified?)

LendingOne underwrites on the asset's collateral value and cash flow potential - not the borrower's W-2 income history or personal debt-to-income ratio. A minimum of 1 completed value-add project is required for fix-and-flip and fix-to-rent loan types, and at least 1 completed ground-up project for new construction financing.
Qualification Parameter Lender Requirements
Experience LevelsMinimum 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.
Credit Requirement640 Minimum FICO. Credit check is required as part of the underwriting process. DSCR rental loans also require a 640 minimum FICO for qualification.
Income VerificationNo 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.
Entity RequirementLLC, 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.

Underwriting Process (How long will it take to get approved?)

LendingOne's online platform allows investors to pre-qualify and submit a full application package 24/7, with typical closing in 10 business days and an expedited path to close in as few as 5 business days. Full appraisals are required on all residential properties, with BPO accepted in some cases, and a formal credit pull is conducted as part of underwriting.
Stage / Requirement Process & Timelines
Initial ReviewSubmit online 24/7 via LendingOne's proprietary portal. Pre-qualification is available at any time, and a dedicated loan officer is assigned to guide the deal from submission through closing.
Property ValuationFull appraisal required on all residential collateral (paid outside of closing). BPO accepted in some circumstances. Appraisal access limitations or market availability may affect timeline in select areas.
Speed to CloseTypical closing in 10 business days from receipt of appraisal payment and satisfaction of borrower conditions. Expedited path to close in as few as 5 business days for experienced borrowers with complete packages.
Document ChecklistProperty Purchase Contract, LLC or entity formation documents and EIN, bank statements (proof of cash liquidity for down payment), credit report authorization, and an itemized Scope of Work (SOW) - which FlipperForce investors can generate directly from the Rehab Estimator.

Draw Process (How long will it take to get draws?)

endingOne operates a reimbursement-based draw system tied to completed construction milestones, with inspections coordinated through their platform and wire transfers typically clearing within 5 business days of approval. Investors managing active rehabs can use the FlipperForce Scheduler to maintain documented contractor timelines and phase completion dates that align with LendingOne's draw milestone requirements, protecting cash flow between reimbursements.
Operational Step Methodology & Timelines
Draw SystemReimbursement-based. The investor funds a specific phase of the construction or renovation budget upfront, then requests a draw to be reimbursed once that milestone is completed and inspected.
Inspection MethodThird-party field inspections. Draw inspections are coordinated through LendingOne's platform. Inspection scheduling and property access coordination may affect turnaround time in select markets.
Funding TurnaroundOnce an inspection is reviewed and approved, wire transfers are typically initiated and cleared within 5 business days. Investors managing contractor schedules with the FlipperForce Scheduler can coordinate phase completion dates to protect contractor cash flow and avoid project delays between draw reimbursements.
Draw FeesDraw inspection fees are paid to a third-party inspection company and are separate from LendingOne's origination and processing fees. Standard underwriting, processing, and document fees apply to all new borrower engagements.