Fix to Rent Loans
Expand Your BRRRR Strategy
Capitalize on the BRRRR strategy by turning your rehabs into rentals, all with one simple Fix to Rent Loan.
Seamless transition from a bridge loan to a rental loan.
Discounted fees when you refinance
Interest rate reductions to save on costs
No income verification, W2s or tax returns required
Discover the Benefits of BRRRR Financing
Fix to Rent Loans are designed for investors using the popular BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) to build long-term wealth through a repeatable, profitable process. It combines short-term funding for property improvements with the easy transition into a long-term hold using a DSCR rental loan.
Your Fix to Rent Loan, Simplified
Renovate with Confidence. Refinance with Ease. Hold for Cashflow.
Up to
95% LTC
9-months
Interest Only
Up to
0.5% Discounts
on Interest Rates
50% Discount
on Origination Fees
Cash-Out
Options Available
Free Appraisal
with Refinance
Analyze a Property & Get a Quote
Run ARV and DSCR calculations with estimated rental ranges, holding costs, and financing options tailored to real estate investors.
Run a cash flow analysis
$769,513
Ponte Vedra Beach, Florida
Execute Every Step of Your BRRRR Strategy
Tailored loans designed with investors in mind, so you have the capital to invest with confidence.
Speak With a Loan Advisor
Scalable BRRRR Solutions for Every Investor
Early-Stage Investors
At the early-stage as a BRRRR investor, we make it simple to conduct your fix to rent projects with financing to support the initial purchase and renovations before refinancing into a long-term rental loan, allowing you to build equity and expand to your next project.
Experienced Investors
When you’re ready to scale your BRRRR strategy, you need financing that can keep up from a lender who understands all stages of the fix to rent process. From short-term holds to long-term DSCR financing, we offer a full suite of loan solutions for investors managing multiple properties and project types.
Portfolio Investors
For high-experienced investors conducting multiple projects at once, we offer the flexibility you need to scale quickly. Our flexible loan options, competitive terms, and streamlined refinance process help experienced investors unlock equity in their properties to utilize for the next purchase.
LendingOne vs.
Traditional Lenders
| Feature | Fix to Rent Loans | Conventional Loans |
|---|---|---|
| Loan Purpose | Built for BRRRR strategy: purchase, rehab, rent, refinance | Not structured for investor strategies like BRRRR |
| Leverage | Up to 95% LTC / 100% Rehab Financing (Fix phase) | Typically lower LTV/LTC, limited rehab financing |
| Refinance Path | Seamless in-house refinance with discounts and streamlined docs | Requires new application, third-party appraisal, and full requalification |
| Documentation | Minimal docs; no W-2s or income verification required | Full documentation: tax returns, W-2s, pay stubs, etc. |
| Rates and fees | Discounts on origination fees, rates, and appraisals refunded with refinances | Typically higher fees, no discounts or incentives with refinances |
| Ownership | LLCs, trusts, with guarantees allowed | Often personal name only |
| Flexibility | Custom loan structures tailored for each project stage | Rigid guidelines and limited flexibility |
Earned 14K profit on a tax-sale deal after a 14-month title delay
Grew portfolio to four properties between 2020-2025 with LendingOne financing.
Overcame tenant default issues, improving rent stability and cash flow.
Testimonials
Recently Funded DSCR Rental Deals
Location
Jacksonville , FL
Location
Little Rock , AR
Location
Columbus , OH
Location
Elsmere , KY
Location
Jackson , MS
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Decatur , GA
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Beebe , AR
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Waynesboro , PA
Location
Calumet City , IL
Frequently Asked Questions
Leverage amounts will vary based on a variety of approval factors, but LendingOne can provide up to 95% LTC for Fix-to-Rent loans.
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.
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.
BRRRR stands for buy, rehab, rent, refinance, and repeat. In this investment strategy, a borrower purchases a property with a short-term Fix-and-Flip loan to make necessary repairs. They then refinance the deal into a long-term rental property.
The investor can later put the cash received from the refinance toward another property and repeat the process over again.
There isn’t a fixed limit on how many BRRRR or Fix-to-Rent Loans an investor can hold with LendingOne. Approval depends on factors such as total property count, leverage, and overall exposure.
LendingOne regularly partners with repeat borrowers who manage multiple active projects and growing portfolios.
Most BRRRR refinances require investors to maintain roughly 25% equity in the property. LendingOne typically refinances up to 75% of the property’s after-repair value (ARV).
This structure supports cash-out flexibility while keeping enough equity in place to protect long-term stability and loan performance.
Analyze a Deal and Get a Rate Quote
Run ARV and DSCR calculations, estimate rental income and holding costs, and view financing options tailored to real estate investors.
