Fix to Rent Loans

Expand Your
BRRRR Strategy

Up to 95% loan-to-cost (LTC), added discounts, and rate reductions with Fix to Rent financing for every stage of the BRRRR strategy.

Rental property before and after renovation

Funding For All—From Rehab to Rental

Real estate investors often face challenges securing financing that covers all phases of a BRRRR strategy (buy, rehab, rent, refinance, repeat). We’ve streamlined the process so investors can turn rehabs into rentals, all with one lender.

Benefits of Fix to Rent Loans

Our Fix to Rent Loans were designed with BRRRR investors in mind. We offer the flexibility to secure a fix and flip loan for the short-term rehab of the property with added discounts and incentives when you refinance with us into a long-term rental.

Product Highlights

Experience the benefits of our Fix to Rent program, offering significant savings and flexible options for your investment strategy:

  • Up to a 95% LTC ratio
  • Up to a 0.5% interest rate reduction
  • 50% discount on origination fees and a free appraisal when you refinance
  • Cash-out options available

Speak with a Loan Advisor

Fully Fund Your BRRRR Strategy

Fix to Rent Loans for Investors

Investors get discounts, an interest rate reduction, and other incentives throughout the project.

Convenience and Time-Saving

Save time by having one application, one Loan Advisor, and one lender to work with for all phases of the project.

Improved Cost Savings

Returning customers receive discounts on fees, rate reductions with refinances, and greater leverage options.

Better Than A Bank

Unlike with traditional banks, we don’t require income verification, tax returns, or W-2s, simplifying the process.

Tailored Solutions with Proven Results

Featured Deals

  • Fix to Rent

    Loan Amount

    $ 188,000

    Location

    Jacksonville, FL

  • Fix to Rent

    Loan Amount

    $ 92,520

    Location

    Little Rock, AR

  • Fix to Rent

    Loan Amount

    $ 224,925

    Location

    Columbus, OH

  • Fix to Rent

    Loan Amount

    $ 129,000

    Location

    Elsmere, KY

  • Fix to Rent

    Loan Amount

    $ 171,000

    Location

    Jackson, MS

  • Fix to Rent

    Loan Amount

    $ 253,500

    Location

    Decatur, GA

  • Fix to Rent

    Loan Amount

    $ 105,700

    Location

    Beebe, AR

  • Fix to Rent

    Loan Amount

    $ 225,000

    Location

    Waynesboro, PA

  • Fix to Rent

    Loan Amount

    $ 112,375

    Location

    Calumet City, IL

  • Fix to Rent

    Loan Amount

    $ 169,365

    Location

    Huntsville, AL

Trustpilot Reviews

Our Trustpilot reviews showcase real experiences from real borrowers, giving you confidence in LendingOne’s commitment to fast, reliable, and flexible financing.

Trustpilot

Hear From Satisfied Customers

Client Testimonials From Investors Like You

  • “Thank you!”
    “My wife and I worked with Sara and Sean and they’ve been so helpful throughout the entire process.”

    RJ

  • “The process went very well for me”
    “Justin and everyone else I spoke with were nice and friendly.”

    Carlos

  • “Customer support is awesome”
    “They get to know you and remember what your goals are and support you to achieve them!”

    Vernell

  • “Great service!”
    “Johnn Alvarez is great to work with. He’s professional and knowledgeable. I had a pleasure working with him twice already and he always comes through, making sure the process is smooth and straightforward. Can’t wait to use LendingOne again for my future lending needs.”

    Martyna

  • “Paul Farrington and his team are the very Best.”
    “Paul Farrington and his team are a joy to work with. It’s so refreshing to work with lenders who A) Understand the business and B) Are on your side, not some back office faceless droids working to complicate the process. Well done Paul and your team. its a 10 out of 10 from me.”

    David

  • “Professional all the way”
    “Very honest, constructive and has a “can do” attitude. Professional all the way. They make it happen, and very quickly. Unlike a bank where you beat your head againt the wall in frustration with the bureaucracy!”

    Tom

  • “Highly Recommend!”
    “Ed Kis was absolutely amazing! This was my first DSCR loan as a new investor and he was patient and explained the process to me step by step and walked me through to closing. Couldn’t be happier!”

    Melissa

  • “The loan process was fairly simple and in a timely manner”
    “The terms are competitive with our previous lenders. The loan application agent and processor are quick to answer questions or concerns. I would recommend LendingOne to other investors. Thank you”

    Michael

  • “Fast response time”
    “Several investing tools available. Friendly and helpful employees. Moved the loan process along in a timely manner. Trustworthy and great communication.”

    Oteria

  • “Great experience working with LendingOne”
    “Chace was professional and made the process seamless from start to finish. Looking forward to working with them again in the future!”

    Michael

Frequently Asked Questions

Find the answers to some commonly asked questions about our loans. For additional information, please visit our resource center.

Resource Center

How much leverage can I receive on a fix to rent loan?

Leverage amounts will vary based on a variety of approval factors, but LendingOne can provide up to 95% LTC for fix to rent loans.

What is the 0.5% rate discount on a fix to rent loan?

Borrowers who choose a fix and flip loan with the intent to refinance into a rental loan can receive an extra 0.5% off the total rate. The loan is only a 9 month maturity, so if you choose not to refinance the property, an additional 1 point will be added to the fix to rent loan pay off amount.

How does the fix to rent process work?

LendingOne can fund a portion of the purchase price and 100% of the rehab budget with a fix and flip loan. When the borrower chooses to keep the property, LendingOne can refinance the fix and flip into a long-term rental loan.

What is the BRRRR method?

BRRRR stands for Buy, Rehab, Rent, Refinance, and Repeat. It is an investment strategy where an investor purchases a property with a short-term fix and flip loan with the intention of making necessary repairs and then refinancing the deal into a long-term rental property. The investor can then put the cash received from the refi towards another property and repeat the process over again.

Ready to Get Started?

We’re here to support you every step of the way. Let’s work together to achieve your goals.

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