Rental Loans

National non-bank lender. Great Rates. Fast Closings. 

We Only focus on Real Estate Investors loans  – It’s all we do 

Close Deals Quickly | Speak to a Local Advisor | Low Rates & Fees

RATES HAVE DROPPED! Call today to speak to a loan advisor.

RentalOne: Loans built for Landlords

30-Year Fixed-Rate and 5-Year ARMs

Grow your Rental Business

RentalOne loans can provide the cash you need to grow your rental portfolio. Benefits include:


Refinance, cash-out or purchase loans from $75K to $5 million


Flexible loan options designed for your buy and hold strategy


Industry best rates and leverage


Dedicated Loan Advisor

Advantages of RentalOne Loans

No hurdles - a very user-friendly and streamlined process

Approval based on the Property Cashflow and not your tax returns

Recycle your capital quicker. Minimal seasoning requirements*

Closings in weeks instead of months

Protect your assets by borrowing in a corporate entity

Speak with a Rental Loan Advisor Today!

Competitive Rates on Rental Loans

With attractive rates and Up to 80% LTV Purchase & Refinances and Up to 75% LTV Cash-Outs, these rental loans are a great way to grow your long-term buy and hold properties.

Get an instant rate in 2 minutes or less!

Our Rental loans are subject to business and investor credit approval, geographic,
appraisal and other underwriting requirements.

Our industry experts provide tailored strategy and one-on-one transaction support to help you grow your portfolio.

I want to thank you for the excellent processing and closing of this loan. I have dealt with many many lenders in my life for purchase and refinance loans, but this has been one of the best experiences, and absolutely the best purchase loan transaction we have ever had. Thanks once again and we really look forward to working with you and LendingOne again soon.

— S.B.

Rental Loans FAQs

What type of rental loan rates are offered by LendingOne?

LendingOne offers competitive rates for both 30-Year Fixed-Rate Loans, and 5/1 hybrid adjustable rate mortgages.  All rates are based on individual property and borrower.  Call us to learn more.

What type of properties can you provide loans on?

The following property types are eligible for our rental loans:

  • Single Family Residence (SFR)
  • 2-4 Unit Properties
  • Townhouse
  • 2 acres maximum
  • Condos (certain restrictions apply)
What is the minimum loan amount?

LendingOne rental loans have a minimum loan amount of $75K.

What states do you lend in?

LendingOne provides lending in all States and District of Columbia except Alaska, Nevada, North Dakota, South Dakota, and Utah.

What type of documents are required?

We have an online streamlined process, but here is a list of the documents we will need over time. 

  • 1-month bank statement
  • A list of properties you currently own (a REO Schedule)
  • No Tax Returns Required
  • Lease(s) – (if currently rented)
  • Sales Contract (on purchase)
  • LLC Operating Agreement or Articles of Corporations
  • Driver’s License

Other documents and/or materials may be requested based on the individual borrower’s circumstances and collateral.

Do I close in my personal or business name?

All of our loans are made to a Business Entity and are personally guaranteed. The following type of companies that are allowed.

  • LLCs, Limited Partnerships, General Partnerships, Corporations
Does my rental property have to be leased before closing?

The following are the lease requirements:

  • A lease with no less than 3 months remaining at time of close
  • For Unleased properties we can use the market rent from the appraisal
What is Debt Service Coverage Ratio?

Debt Service Coverage Ratio (DSCR) is a calculation that helps us determine if a rental investment is generating enough income to make its loan payment obligations.

DSCR is calculated by the following simple formula:

DSCR = Monthly Gross Income divided by  PITIA* *Principal, Interest, Taxes, Insurance and Association Fees. 

If this number is over 1.0 that means the property’s rent covers its monthly mortgage payment. 

Is there a prepayment penalty?

Prepayment penalty are as follow:

  • For Rental loans, there is a pre-payment penalty between 1 and 5 years.
  • Multiple options are available and based on the loan and pricing
What are the cash out eligibility and restrictions?

The seasoning resquirements:

  • 3-month seasoning from your purchase date
  • Delayed Financing are permitted
Can I live in one of my rental properties or rent it to a family member?

No.  LendingOne provides commercial only loans that are non-owner occupied (investment) properties.

rental property renovations
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