LendingOne

Clear rental structures, leverage, fees, and entity requirements with program-specific DSCR bands.

LendingOne publishes up to 80% purchase/rate-term and 75% cash-out LTV, fixed, ARM, and interest-only choices across 46 states.

86% current and rankable evidence2 published program variantsLast reviewed 2026-08-09Ranked #5 of 8 · 68.4/100

What this lender leads on

Categories where its published figures lead the researched set, computed from the fields below. Ties are shared.

Fastest published closing time — 21 days (Typical closing time)

What drove this score

DSCR Accessibility Score 68.4/100 (model accessibility-1.0). Strongest: Rate-and-term LTV, Minimum loan, First-time investors, Short-term rentals. Weakest: Maximum loan, Minimum credit score, No-ratio path. An unpublished figure scores zero.

Official site Compare with other lenders

Where the evidence is incomplete

Fields below are reported exactly as published. Nothing is estimated, inferred, or filled in from a competitor.

4 not published

Critical gaps: None.

Qualification

Minimum DSCR: 0.75×VerifiedVerified 2026-08-09LendingOne, LendingOneFlexible DSCR program reaches 0.75; the standard broker grid separately uses 1.10 at 720+ FICO and 1.20 below 720.
No-ratio path: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.
Minimum credit score: 680VerifiedVerified 2026-08-09LendingOne
First-time investors: trueVerifiedVerified 2026-08-09LendingOne
Foreign nationals: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.

Leverage

Purchase LTV: 80%VerifiedVerified 2026-08-09LendingOne
Rate-and-term LTV: 80%VerifiedVerified 2026-08-09LendingOne
Cash-out LTV: 75%VerifiedVerified 2026-08-09LendingOne
Minimum loan: $85,000VerifiedVerified 2026-08-09LendingOne, LendingOneThe current retail DSCR FAQ publishes an $85,000 minimum; older channel material is not used for the retail comparison.
Maximum loan: $2,000,000VerifiedVerified 2026-08-09LendingOne, LendingOne
Reserves: 9 monthsVerifiedVerified 2026-08-09LendingOne
Seasoning: 90 daysVerifiedVerified 2026-08-09LendingOne

Eligibility

Property types: single-family, two-to-four, condo, townhome, short-term-rentalVerifiedVerified 2026-08-09LendingOne
Short-term rentals: trueVerifiedVerified 2026-08-09LendingOne
Entity or LLC title: trueVerifiedVerified 2026-08-09LendingOne, LendingOne
States: 47 states including DCVerifiedVerified 2026-08-09LendingOne

Structures

Fixed rate: trueVerifiedVerified 2026-08-09LendingOne
Adjustable rate: trueVerifiedVerified 2026-08-09LendingOne
Interest only: trueVerifiedVerified 2026-08-09LendingOne
Prepayment terms: No penalty through five-year optionsVerifiedVerified 2026-08-09LendingOne, LendingOne

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.
Fees: Published appraisal, CDA, document preparation, diligence, and legal fees vary by dealVerifiedVerified 2026-08-09LendingOne
Typical closing time: 21 daysVerifiedVerified 2026-08-09LendingOnePublished general DSCR/portfolio expectation; not a guarantee.
Rate lock period: 45 daysVerifiedVerified 2026-08-09LendingOne
Published process detail: trueVerifiedVerified 2026-08-09LendingOne, LendingOne

Published program variants

Flexible DSCR

Headline program for break-even and negative-cash-flow scenarios.

Minimum DSCR: 0.75×VerifiedVerified 2026-08-09LendingOne
Minimum credit score: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.
Maximum LTV: 80%VerifiedVerified 2026-08-09LendingOne
Interest only: trueVerifiedVerified 2026-08-09LendingOne
Foreign nationals: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.

Broker rental grid

Representative broker matrix with FICO-dependent DSCR rules.

Minimum DSCR: 1.10×VerifiedVerified 2026-08-09LendingOneThe grid uses 1.10 at 720+ FICO and 1.20 below 720; the lower published threshold is stored with the tier note.
Minimum credit score: 680VerifiedVerified 2026-08-09LendingOne
Maximum LTV: 80%VerifiedVerified 2026-08-09LendingOne
Interest only: trueVerifiedVerified 2026-08-09LendingOne
Foreign nationals: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.

Strength and trade-off

Strength

Detailed leverage, reserve, fee, seasoning, and prepayment documentation.

Trade-off

The 0.75 headline and stricter 1.10–1.20 broker grid must be treated as separate programs.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.

Sources

Loan Fees — LendingOne (official program guide), accessed 2026-08-09
DSCR Rental Loans — LendingOne (official lender), accessed 2026-08-09
Broker Guidelines — LendingOne (official program guide), accessed 2026-08-09
Frequently Asked Questions — LendingOne (official lender), accessed 2026-08-09

Qualification

Minimum DSCR

0.75×VerifiedVerified 2026-08-09LendingOne, LendingOneFlexible DSCR program reaches 0.75; the standard broker grid separately uses 1.10 at 720+ FICO and 1.20 below 720.

No-ratio path

Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.

Minimum credit score

680VerifiedVerified 2026-08-09LendingOne

First-time investors

trueVerifiedVerified 2026-08-09LendingOne

Foreign nationals

Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.

Leverage

Purchase LTV

80%VerifiedVerified 2026-08-09LendingOne

Rate-and-term LTV

80%VerifiedVerified 2026-08-09LendingOne

Cash-out LTV

75%VerifiedVerified 2026-08-09LendingOne

Minimum loan

$85,000VerifiedVerified 2026-08-09LendingOne, LendingOneThe current retail DSCR FAQ publishes an $85,000 minimum; older channel material is not used for the retail comparison.

Maximum loan

$2,000,000VerifiedVerified 2026-08-09LendingOne, LendingOne

Reserves

9 monthsVerifiedVerified 2026-08-09LendingOne

Seasoning

90 daysVerifiedVerified 2026-08-09LendingOne

Eligibility

Property types

single-family, two-to-four, condo, townhome, short-term-rentalVerifiedVerified 2026-08-09LendingOne

Short-term rentals

trueVerifiedVerified 2026-08-09LendingOne

Entity or LLC title

trueVerifiedVerified 2026-08-09LendingOne, LendingOne

States

47 states including DCVerifiedVerified 2026-08-09LendingOne

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate

Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.

Fees

Published appraisal, CDA, document preparation, diligence, and legal fees vary by dealVerifiedVerified 2026-08-09LendingOne

Typical closing time

21 daysVerifiedVerified 2026-08-09LendingOnePublished general DSCR/portfolio expectation; not a guarantee.

Rate lock period

45 daysVerifiedVerified 2026-08-09LendingOne

Published process detail

trueVerifiedVerified 2026-08-09LendingOne, LendingOne

Published program variants

Flexible DSCR

Headline program for break-even and negative-cash-flow scenarios.

Minimum DSCR: 0.75×VerifiedVerified 2026-08-09LendingOne
Minimum credit score: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.
Maximum LTV: 80%VerifiedVerified 2026-08-09LendingOne
Interest only: trueVerifiedVerified 2026-08-09LendingOne
Foreign nationals: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.

Broker rental grid

Representative broker matrix with FICO-dependent DSCR rules.

Minimum DSCR: 1.10×VerifiedVerified 2026-08-09LendingOneThe grid uses 1.10 at 720+ FICO and 1.20 below 720; the lower published threshold is stored with the tier note.
Minimum credit score: 680VerifiedVerified 2026-08-09LendingOne
Maximum LTV: 80%VerifiedVerified 2026-08-09LendingOne
Interest only: trueVerifiedVerified 2026-08-09LendingOne
Foreign nationals: Not publishedNot publishedVerified 2026-08-09LendingOneNo current value was found on the reviewed official sources.

Strength and trade-off

Strength

Detailed leverage, reserve, fee, seasoning, and prepayment documentation.

Trade-off

The 0.75 headline and stricter 1.10–1.20 broker grid must be treated as separate programs.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.