Lender profile
LendingOne
hard money · Boca Raton, FL · founded 2014
Verified Sep 17, 2026
LendingOne runs a 30-year DSCR rental program alongside its hard money products, with a 0.75 minimum DSCR and a 640 minimum credit score. Loan sizes range from $85,000 to $2,000,000 at up to 80% LTV / 90% LTC, with closings in 14-21 days.
Published facts
Loan size
$85,000 – $2,000,000
Max LTV
80%
Max LTC
90%
Min credit score
640
Min DSCR
0.75
Terms
12-24 months (hard money) / 30-year (rental)
Close time
14-21 days typical
LendingOne does not publish a state-coverage count. Its stated geographic focus is “National” — a description of intent, not a confirmed licensure claim.
Products
Strengths
- 0.75 minimum DSCR — qualifies lower cash-flow rentals
- 640 minimum credit score
- Loan sizes to $2,000,000
- 30-year rental exit alongside hard money financing
Who this lender suits
An investor whose property cash-flows down to a 0.75 DSCR and who carries at least a 640 credit score
More on LendingOne
Full requirements
Credit, DSCR, leverage and loan-size criteria
Rate & points range
Published pricing, not a quote
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