Best Lending Co
Best Lending Co is a private lender based in San Diego, California, specializing in residential investment and multifamily loans across 17 states. They provide a streamlined, fully online borrowing experience with a focus on bridge loans, rehab financing, and construction loans, having funded over $125 million to date.
1.) Fix n Flip (1-4 units)
– Up to 85% of purchase + 100% Rehab
– Or, up to 90% LTC **95% LTC / 90% PP + 100% Rehab available on 10+ borrowers, light rehab deals**
– 9.50% min interest rate – as disbursed
– 1.5% origination fee min
– 6~24 month terms
– No prepay penalty
– 5~10 day closings
– $150k min loan amount (not including rehab)
– $1795-$2500 doc fee (covers legal, credit, flood, etc – but not appraisal)
2.) Bridge (Residential and Commercial Real Estate)
– Up to 75% LTV
– 9.50% interest rate min
– 1.5% origination fee min
– 6~24 month terms
– No prepay penalty
– 5~10 day closings
– $150k min loan amount
– $1795-$2500 doc fee (covers legal, credit, flood, etc – but not appraisal)
3.) Perm Residential “DSCR” Rental
– Up to 80% Purchase or 75% LTV refi (Short Term Rentals (STR), Airbnbs, VRBOs allowed!)
– 6.75% interest rate min
– 1.5% origination min
– 30 year fixed term
– 5 or 3 year prepay penalty (5,4,3,2,1% or 6 month fee structure)
– 15 day closings min
– DSCR > 1.0
– $100k min loan amount ($2500 min origination)
– $1795-$2500 doc fee (covers legal, credit, flood, etc – but not appraisal)
4.) Development / New Construction
– Up to 85% LTC
– 9.99% min interest – as disbursed
– Residential, commercial, vertical construction only, plans must be approved
– 12~24 month terms
– 5~15 day closings
– Experience required
– $250k min loan amount
– 3 completed construction projects required
– Strong liquidity and financials required
– $2500-$5000 doc fee (covers legal, credit, flood, budget review, etc – but not appraisal)
Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Residential Construction
Multifamily Construction
Property Types
- 2-4 Units Residential
- Multifamily
- Single Family Residence
Specialty Loan Types
- Luxury Homes
- Vacation Rental
Processing Fee
$1500-$3000 single fee for all processing fee
Minimum Origination Fee Amount
$2,500
Fees which are paid to a third party company
- Appraisal Fee
- Escrow Fee
- Title Fee
Direct Private Lender Focused on Providing a Better Borrowing Experience
Best Lending Co. is a direct private lending company that offers a streamlined process for real estate investors to get financing for a variety of loan types. Our proprietary technology allow clients to apply and close transactions 100% online. We have funded over $125MM of loans as of early 2025, and most of our business is from repeat clients.
- Lending on Residential Investment Properties in 17 states
- Lending on Multifamily Properties up to 20 Units
- Bridge Loans – purchase, refinance, equity cash out
- Rehab Fix and Flip (or Rent) – experience not required
- 30-Year DSCR Rental Loans up to 80% purchase, 75% refinance
- Ground-Up Construction – single house or multiple homes
Please Note: We do not offer loans for owner-occupied homes, vacant land, or commercial real estate.
Best Lending Co’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$91,722,450
12mo Loan Count
122
Total Loan Volume
$191,088,788
Average Loan Size
$595,292
Our Disruptive Vision
An unparalleled private lending experience with innovative technology and client focused systems.
- Team – Our founding team came together to provide some much needed disruption to the real estate investment financing industry.
- Relationship – Our direct line of communication between you and the decision maker allows for efficiency and transparency. And trust is what makes relationships last.
- Technology – Our goal is to completely automate the loan closing process. Therefore, we have dedicated resources to advance our proprietary software development.
- Education – We are all students of life, for life. Real estate is an ever changing market, so we need to apply the same discipline. Our daily research is made public in our education section. We want everyone to benefit from knowledge together.
Office Locations
Our Team
Our minimum loan amount is $150,000