888-881-2742

Amounts: $100K to $10M
Loan-to-Value: up to 75%
Interest Rates: 5.39% to 12%
Fees: 1.5 to 4.5 points
Position: 1st only
Term: 1 to 30 years

Michael Faiella
Director of Business Development
michael@lendingonellc.com
5550 Glades Road, Suite 300
Boca Raton, FL 33431
Sales Offices in NY, PA, IL, GA

Michael Faiella
michael@lendingonellc.com
888-881-2742

Private Money Lender for Residential & Multifamily Real Estate Investors

LendingOne, LLC is a direct private lender for non-owner occupied residential and multifamily properties throughout the United States. We provide fixed payment, interest-only loans and credit facilities for a variety of real estate transactions such as fix-and-flip, rehab-to-rent, and cash-out refinancing. We are self-funded, allowing us to move quickly and finance your project using 100% of our own capital, at competitive rates. We are focused on providing excellent client service, a professional approach and true reliability. Here are some of our loan guidelines:

  • Lending Area: All states except AK, AZ, HI, MN, NV, ND, OR, SD, UT, VT
  • Loan Size: $100,000 to $3,000,000 for Residential, up to $10,000,000 for Multifamily
  • Loan Types: Purchase, Rehab, Fix & Flip, Buy & Hold Refinance, Equity Cash Out, Line of Credit, Long-Term Rental, Bridge, Construction (for multifamily)
  • Property Types: Single Family Homes, Condo, Multifamily up to 30 Units
  • Loan-to-Value (LTV): Up to 70%
  • Loan-to-Cost (LTC): Up to 90% for rehab fix & flip, 70% for all other loan types
  • Loan Term: 1 to 30 years
  • Loan Position: 1st mortgage only
  • Interest Rates: 5.39% to 12% (varies by program, see below)
  • Origination Fees: 1.5 to 4.5 points
  • No Income Verification
  • Fast Closings

Watch the videos below to learn more about our lending guidelines…

Rehab Fix & Flip Loan Program

  • Term: up to 12 Months
  • Loan-to-Cost: Up to 90%
  • Rates: 7.49% to 12%
  • Property Types: Residential 1-4 Units
  • Occupancy: Non-Owner Occupied
  • FICO Score: 600 minimum

Long Term Fixed Rate Rental Loan Program

  • For Tenant-Occupied Residential Properties
  • Property Types: Residential 1-4 Units
  • Term: 30-year Fixed or 3-5-7 Year ARM
  • Rates: 5.39% to 8.99%
  • LTV: Up to 75%
  • Origination Fee: 1.5 to 3.0 points
  • No Seasoning Requirements (Up to 75% LTV for new purchase)
  • DSCR Requirements: 1.25 to 1.3
  • Occupancy: Tenant-Occupied
  • FICO Score: 620 minimum
  • Prepayment: 2 years (80% of 6 months interest)
  • No Servicing Fee
  • No Escrow
  • Foreign Nationals OK

Multifamily Bridge & Construction

  • Lending Area: Select Primary Markets Nationwide
  • Loan Amount: $1,000,000 to $10,000,000
  • Property Types: Multifamily / Apartments 2 to 30 Units
  • Interest Rates: 7% to 8% + Libor
  • Origination Fee: 1.5 to 2.5 points
  • Loan-to-Cost: Up to 70%
  • Term: 24 months
  • Non-Recourse
  • No interest on undispersed funds

Credit Facilities Loan Program

  • Lines of Credit and Blanket Loans
  • Loan Amount: $500,000 and up
  • Property Types: Residential 1-4 Units
  • Number of Properties: 5 minimum
  • Minimum Value Per Property: $75,000
  • Term: 5 or 10 year balloon
  • Rates: 5.99% to 7.99%
  • LTV: Up to 70% of portfolio
  • DSCR Requirements: 1.25 to 1.3
  • Payments: Interest-Only or Amortized

Email LendingOne or call 888-881-2742
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