LendingOne, LLC

What LendingOne, LLC does

LendingOne, LLC is a Boca Raton, Florida-based direct lender founded in 2014 that specializes exclusively in non-owner-occupied real estate investment property financing. The company operates across 46 U.S. states (excluding Alaska, Nevada, North Dakota, and South Dakota) and offers six core loan products: DSCR Rental Loans, SFR Portfolio Loans, Bridge Loans, Fix and Flip Loans, Fix to Rent Loans (supporting the BRRRR strategy), and New Construction Loans. Loan sizes range from $85,000 for individual DSCR rentals up to multi-million-dollar BTR community financings, and the company has cumulatively funded over $6 billion in real estate investor loans since inception.

The business model combines transaction-based origination fees (1 point or $2,000 minimum, plus $1,395 in processing and legal fees) with recurring interest income on bridge, rental, and construction loan portfolios. LendingOne is backed by an unnamed leading global asset manager that provides the capital base for nationwide lending operations. Distribution is multi-channel: a self-serve digital application platform (start.lendingone.com) and phone-based lending advisors serve individual investors; a dedicated Institutional Group of 120+ professionals with named sales, credit, and SFR directors serves enterprise clients; and TPO wholesale brokers and CRE Debt Advisor partnerships source commercial mortgage broker-originated volume. Differentiation centers on DSCR-based qualification (no personal income verification), fast closings (as little as 5 days for fix and flip), high leverage (up to 92.5% LTC on flips, 95% LTC on fix-to-rent, 90% LTC on new construction), and ecosystem-level retention through discounted refinance economics for repeat BRRRR borrowers.

Operationally, LendingOne maintains NMLS registration and lending licenses across multiple states, holds the 2024 IMN Single-Family Rental Award for BTR lending innovation, and runs satellite offices in Charlotte, NC and Great Neck, NY alongside its Boca Raton headquarters. The company targets four horizontal customer segments (Emerging, Experienced, Portfolio, and Institutional Investors) with products calibrated to each tier's portfolio size and strategy complexity.

Name

LendingOne, LLC

Legal name

LendingOne, LLC

Website

https://lendingone.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

LendingOne, LLC is a Boca Raton-based direct lender founded in 2014 that provides DSCR rental, bridge, fix and flip, and new construction loans exclusively to real estate investors across 46 U.S. states, serving emerging, experienced, portfolio, and institutional segments through digital, broker, and dedicated institutional sales channels.

Ownership category

akta.pro rank

Product category

Real Estate Investment Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industry

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Real estate investor lending
• DSCR rental loans
• Fix and flip financing
• Bridge loan origination
• Build-to-rent financing

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Loan Origination Fees: Primary revenue from origination fees on investment property loans. Standard fee is 1 point or $2,000 whichever is greater, plus $1,395 processing and legal fees. Broker partners can charge up to 3 points on HUD.
2. Interest Income: Interest payments on bridge loans (12-24 month terms), DSCR rental loans (30-year fixed, 5/1 & 10/1 ARMs), and construction loans. Interest-only payment options available on most products.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

LendingOne is a direct lender that originates and services mortgage loans for non-owner-occupied residential investment properties. It offers a full suite of loan products spanning the real estate investment lifecycle, including DSCR rental loans, SFR portfolio loans, bridge loans, fix-and-flip loans, fix-to-rent (BRRRR) loans, and ground-up new construction loans, with loan sizes ranging from $85,000 to over $90 million. The company serves both individual investors through a self-serve digital application and institutional sponsors, developers, and PE firms through a dedicated Institutional Group.

Product overview

LendingOne, LLC is a direct real estate investor lender offering a suite of six specialized loan products. The core portfolio includes DSCR Rental Loans for long-term rental property financing based on property cash flow, SFR Portfolio Loans for consolidating multiple single-family rentals under one loan, Bridge Loans for short-term investment opportunities, Fix and Flip Loans for purchase and rehabilitation projects, Fix to Rent Loans supporting the BRRRR strategy, and New Construction Loans for ground-up residential development. The company operates nationwide (excluding Alaska, Nevada, North Dakota, and South Dakota) and targets individual investors through institutional clients, with loan amounts ranging from $85,000 to over $90 million depending on product type. Funding totals over $6 billion in loans for real estate investors according to company disclosures.

Differentiator

Problem solved

Functional benefit

Brands

• LendingOne Institutional Group: Specialized division providing BTR and SFR portfolio financing solutions for institutional investors, developers, and PE firms.

Products and services

• DSCR Rental Loans Long-term rental property loans for real estate investors underwritten on property cash flow (Debt Service Coverage Ratio) rather than personal income, with loan sizes from $85,000 to $2,000,000, up to 80% LTV, 30-year fixed and 5/1 & 10/1 ARM options.
• SFR Portfolio Loans Single-Family Rental portfolio loans that allow investors to consolidate a minimum of 3 up to 20 properties into a single fixed-rate, non-recourse loan, up to $3M and 80% LTV for purchases.
• Bridge Loans Short-term bridge financing for real estate investors needing fast capital to execute investment opportunities, with interest-only payment options and flexible 12–24 month terms.
• Fix and Flip Loans 12-month interest-only financing for purchase-and-rehab projects, covering up to 92.5% loan-to-cost and 100% of rehabilitation costs, with closings achievable in as little as 5 days and desktop appraisal available.
• Fix to Rent Loans 9-month maturity financing supporting the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy with up to 95% LTC and 100% rehab funding, including discounted interest rates (0.5%) and 50% origination fee discount for borrowers who refinance into a LendingOne long-term loan.
• New Construction Loans Ground-up construction financing for builders, developers, and investors building residential investment properties, with loan sizes from $200,000 to $2,000,000, up to 90% LTC, 12–24 month term, and a mobile-app-based virtual draw process.

Quantifiable outcome

• Closings can be completed in as little as 5 days for fix and flip loans
• +4 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Lima One Capital: Specialty lender focused on fix-and-flip, rental, and new construction financing for real estate investors, backed by Snowmass Capital. Closely comparable product suite, customer segments, and DSCR-based qualification approach.
• RCN Capital: Direct lender providing short-term bridge, fix-and-flip, and rental portfolio loans to residential real estate investors. Comparable product mix, broker/TPO channel strategy, and mid-market investor focus.
• Angel Oak Mortgage Solutions: Non-QM and investor property lender offering DSCR, fix-and-flip, and SFR portfolio products. Comparable target customer, qualification philosophy, and channel strategy to LendingOne.
• CoreVest Finance: Lender focused on SFR portfolio financing for institutional and individual investors; acquired by Redwood Trust. Most directly comparable on the SFR portfolio / BTR institutional lending segment where LendingOne is positioning aggressively.
• Visio Financial: Direct lender to real estate investors providing bridge, fix-and-flip, and rental loans. Comparable product set and target borrower profile, though smaller scale than LendingOne.
• Genesis Capital: Direct hard money / bridge lender for fix-and-flip and rental investors. Comparable in investor loan focus and broker channel, though narrower product range.
• Kiavi: One of the largest US non-bank lenders to real estate investors offering DSCR rental, fix-and-flip, and new construction loans. Directly comparable to LendingOne across products, target customers (individual and institutional investors), and DSCR-based qualification.

Broad incumbents

• NewRez (New Residential Investment Corp.): Large mortgage originator and servicer (formerly Shellpoint / New Penn Financial) with growing non-QM and investor loan capabilities. Comparable in SFR financing but operates at significantly larger scale across a broader product portfolio.

Emerging players

• Hatch Lending: Emerging non-QM investor lender offering DSCR and rental portfolio products with a digital-first platform. Comparable on DSCR philosophy and SMB investor segment, though smaller and less mature.
• AHLI (American Homeowner Preservation / preqstreet): Niche private lender focused on residential investment and rehab financing. Comparable in fix-and-flip / investor focus but smaller scale and narrower geographic footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Lending_One
• LinkedInlinkedin.com/company/lendingone-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LendingOne, LLC