Learning Center

Welcome to our Investor Learning Center, where you can find Frequently Asked Questions, Testimonials, Videos and more to help give you a better idea of who we are and the products and services that we offer.

FAQs

What is LendingOne?

LendingOne is a direct private Real Estate lender for Real Estate professionals. We have over 100 years of combined real estate experience and mortgage experience in our senior executive ranks. We have designed our borrower-centric technology to provide a simple, fast and reliable marketplace for both borrowers and investors. LendingOne and its affiliates have provided over $300 Million in real estate capital and is strongly supported by the Crestar Group.

How does LendingOne work?

LendingOne is simple. Borrowers apply for loans through an easy-to-use online interface and typically can be financed between 10-14 days.  Through our technology, we streamline the application process to obtain only the necessary documents we need to close your loan quickly, reliably, and to minimize work for you and maximize ease.  All of this can be done 100% online, with personal loan consultants on-call every step of the way.  With LendingOne, processing costs are less than the industry average and the savings are passed directly on to the borrower.  Using our proprietary technology, we deliver reliable financing to the traditionally under-served.

Do you lend on owner-occupied houses?

No! We only provide financing for investment properties. This means that the borrower cannot live on the property at any time during the course of the loan.

Are you a bank?

No, we are not a  bank, nor a broker, but a fully funded lending partner that can close consistently and help you grow your real estate portfolio.  We use 100% of our own capital and do not broker your loans. LendingOne is a direct private lender for Real Estate investor professionals.  We offer flip bridge loans, rental financing and credit facilities for high volume investors.

What type of loans do you offer?

We offer three types of loans:

Fix and Flip

Up to 90% of Purchase & Rehab Costs
Bridge Financing up to 12 Months
Loans from $75k-$2M
Rates: 8.25% – 13.9%
Get Pre-qualified Today

Rental

Up to 75% LTV
Term Loans for Single Family 1-4 units
5, 7 and 30 Year Loans
5.75% – 9.9%
Get Pre-qualified Today

Pre-Approvals/ Proof of Funds 
Up to $5,000,000

8.25% – 11.9%
Get Pre-qualified Today

What are the standard terms at LendingOne?

LendingOne charges a standard interest rate between 8.25% to 13.99%. With most loans, only interest is charged during the term of the loan, with the principal due at maturity. Our loans typically run from 12 months, and range from $75k to $2.0M.

What States do you lend in?

LendingOne provides lending in all States and District of Columbia except Alaska, Arizona, Hawaii, Minnesota, Nevada, North Dakota, Oregon, South Dakota, Utah, and Vermont.

Our Lending States include:

Alabama
Arkansas
California
Colorado
Connecticut
Delaware
DC – District of Columbia
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
West Virginia
Wisconsin
Wyoming

How do you determine the loan amount?

LendingOne will lend up to 65% of the ARV (After Repair Value) as determined by an appraisal or the LTC limit.  LendingOne offers financing from 75% to 90% of the purchase price and repairs costs *

What is a bridge loan?

A Bridge Loan is a short-term mortgage used to acquire a property quickly. Generally this financing is used until permanent financing is found, the home is resold, or it is rehabilitated and then resold.

Who needs a bridge loan?

Property investors that are fixing and flipping properties are the most common customers of LendingOne Bridge Loans. Anyone buying properties on market or in distress, rehabbing, and reselling is a potential customer for us.

Do you fund the repair costs?

Yes, we specialize in Fix/Flip lending that includes Repair Costs. We will lend up to 90% of the purchase price and up to 90% of the rehab costs or up to 65% of the after repair value. The repairs are handled via construction draws.

How are construction draws handled?

Our borrowers request a draw. Within 48 hours, one of our licensed contractors inspects the work completed. Within 24 hours after the inspection, the funds are released. There is a $150 charge for each draw that is deducted from the draw amount. We don’t make any money on construction draws. The cost of the draws go directly to our contractors to ensure that the work is done properly and within code.

What is a rental loan?

A Rental Loan is a medium to long term loan for income-producing rental investment properties. It is underwritten primarily against the property value and the cash flow of the property itself, with less emphasis put on traditional credit factors.

Who needs a rental loan?

This loan is tailored towards both small and larger operators who have one or more rental properties that are successfully producing cash flows sufficient to pay a mortgage. We offer both purchase and refinancing options.

How much documentation do I need to provide?

Depending on the loan, we collect different documents.  Our systems may ask for documentation not applicable to you, in which case you do not need to provide us that information.  However, in general, the more information you can provide, the more opportunities exist for us to uncover the right financing program for your situation.

How does your pre-qualification process work?

Our pre-qualification process allows you to quickly gauge how much funding you are eligible to receive for your real estate investment project.  We will require you, either through our online application or on the phone with one of our loan consultants, to provide the following information:

  • Your experience in real estate investing. (how many deals have you done, rental vs fix-n-flips?)
  • Total amount of money available to invest in your real estate projects.
  • Your overall credit profile.
  • Your total income.

Can I schedule a call with a loan consultant?

Yes, you can schedule a call with one of our loan consultants through Here, or you can call us at our toll-free number 866-782-3464 to quickly gauge how much funding you are eligible to receive for your real estate investment project.  We will require you, either through our online application or on the phone with one of our loan consultants, to provide the following information:

  • Your experience in real estate investing. (how many deals have you done, rental vs fix-n-flips?)
  • Total amount of money available to invest in your real estate projects.
  • Your overall credit profile.
  • Your total income.

Do you have a minimum FICO score?

Our typical loan requires a 620 FICO minimum score; however, our borrower’s credit score is only one of many factors taken into consideration when underwriting the loan.

How to make payments?

We contract with FCI Lender Services to service and accept payments for your loan. You will receive a full welcome package with instructions directly from FCI within 2-3 weeks of closing. Your payment will be due on the 1st of the month and the automatic Automated Payments (ACH) form from FCI should be completed. FCI Lender Services 8180 East Kaiser Blvd Anaheim Hills, California 92808 Toll Free (800) 931-2424 Fax (714) 282-2425

How do I payoff my loan?

To request a payoff, please request directly from our servicer, FCI Lender Services. Please have your recent statement or Account # to provide to FCI. We are sorry, but LendingOne cannot process a payoff directly because the servicer maintains your daily account balance and year-end interest tax reporting. payoff-ls@trustfci.com Payoff Department FCI Lender Services, Inc. Phone: (800) 931-2424 Ext.651

Testimonials

Featured Testimonial

“LendingOne really took care of me, the application process online was simple.  I had access to my loans every step of the way and the closings came through as planned each and every time.  I’m delighted with my lender!”

Learning Center Satisfied Fix n Flip real estate investor in Illinois

North-Carolina-Fix-n-Flip-REI

Learning Center Real Estate broker and Investor in Colorado

Fix n Flip Real Estate Investors Indiana

Learning Center New Jersey Investor

Ready to grow your real estate investment portfolio.  Pre-qualify today.

Investor Testimonials Apply Now

Videos

Featured Video

Meet LendingOne...a direct private money lender that provides financing to real estate investors like you.  Whether it’s your first property or you’re a full-time real estate investor we’ll take you from one deal to five, ten deals to twenty, and beyond. It's a simple idea: more properties equals more profits.

Focused on Professional Real Estate Investors

Are you tired of having to find a new lender each time you find a new property? We help you focus on your business and take care of all your real estate investment financing needs. We are a one-stop lending partner with the experience and capital to help you scale your business quickly and reliably.

The Construction Draw Process Explained

The construction draw process is explained for our borrowers and future borrowers in a simple to understand video. We are a one-stop lending partner with the experience and capital to help you scale your business quickly and reliably.

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