LendingOne: published loan terms
LendingOne publishes terms for fix and flip, bridge, ground-up construction, DSCR rental and rental portfolio loans. It does not publish a starting rate on the pages we read.
Fix-and-flip terms
| Starting rate | Not published |
|---|---|
| Loan to purchase / cost | Up to 92.5% LTC |
| Rehab funded | 100% Financing Rehab Costs |
| Cap on after-repair value | Not published |
| Points | Not published |
| Term | 12-Month Interest Only; comparison table: '12-24 Months Standard' |
| Minimum credit score | Not published |
| Experience | LendingOne requires borrowers have completed a minimum of 1-2 transactions in the last 3 years. (FAQ) |
DSCR rental terms
| Starting rate | Not published |
|---|---|
| Purchase / rate-and-term LTV | Up to 80% LTV (Purchase/Rate-Term) |
| Cash-out LTV | Up to 75% LTV (Cash-Out) |
| Minimum DSCR | 0.75 DSCR |
| Minimum credit score | Not published |
| Loan size | Not published |
| Terms | 30 year fixed, 5/1 & 10/1 ARMs; Interest-Only Available |
Where LendingOne lends
LendingOne is a national lender, providing investment loans in every state except Alaska, Nevada, North Dakota, and South Dakota.
Loan size
$100,000 (fix and flip) to $3,000,000 (fix and flip), as published.
Other details from its website
Fix and flip: 'No Prepayment Penalty'; 'No Interest on Undrawn Rehab Funds'; desktop appraisal available; virtual draws; closings 'in as little as 10 business days' (headline says 'Close In 5 Days'). Borrower must be an entity (LLC, LP, GP, corporation, revocable trust). DSCR: prepayment penalty periods 'ranging from zero to five years'; complimentary 45-day rate lock; non-owner-occupied SFR, 2-4 unit, condos, townhouses; STR eligible.
Licensing disclosure
Loans made under LendingOne, LLC (NMLS ID # 1508627) pursuant to AZ Mortgage Banker License 0944181, CA – DFPI Financing Law License 60DBO-58915, ID Mortgage Broker/Lender License MBL-2081508627, MN Residential Mortgage Originator License MN-MO-1508627, OR Mortgage Lending License ML-5529, UT-DRE Mortgage Entity License 12767077, and VT Commercial Lender License 1508627 CLL. ... LendingOne, LLC is licensed or exempt from licensing in all other states.
Source
Read on 2026-10-24 from lendingone.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with LendingOne, and LendingOne did not review this page.
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