DSCR Mortgage Loans
Real estate investment financing with flexible Debt Service Coverage Ratio (DSCR) terms and fast closings for single-family rentals, townhomes, condos, and 2-4 unit properties.
- 30-Year Fixed, ARM Products, and Interest-Only Options
- Up to 80% LTV for Purchase and Rate & Term
- Up to 75% LTV Cash-Outs
- Portfolio Loans Available
Customer Testimonials
Over $1B in Loans to Repeat Clients
We have a streamlined approval process, so investors can close quickly and scale faster.
Fast Access to Capital
We prioritize a property’s after-repair value, allowing more flexibility in loan terms, credit requirements, and leverage options.
More Flexible Terms
Unlike with traditional banks, we don’t require income verification, tax returns, or W-2s, simplifying the process.
Better Than a Bank
Tailored Solutions with Proven Results
$510,303
Arizona | Refinance
30-Year Fixed, 10-Year IO
$325,500
Texas | Purchase
30-Year Fixed
$361,760
Georgia | Refinance
30-Year Fixed, 10-Year IO
We’re here to support you every step of the way. Let’s work together to achieve your goals.
Talk to a Lending Advisor
“Working with Lending One was absolutely the best lending experience I have had so far as a real estate investor. [They were] great, kept me up to date on every detail of my loan and the process and because of that we closed quickly and with zero issues. I will absolutely be doing business with Lending One again.”
“My Lending One team has consistently out performed the other investment lending providers to date. My team works overtime to make sure my closing experience is second to none. They not only keep me informed on a daily basis when needed, but provide input on the ever changing market place.”
"What can I say? The fastest closing I've ever had on an investment property. They were ready in less than 14 days. Everything was seamless, efficient and spelled out. [...] Lending One is a breath of fresh air. This is the beginning of a beautiful relationship."
Featured DSCR Real Estate Loans
Ready to Get Started?
Rental
Finance your rental property with flexible terms - made for landlords.
• 30-Year Fixed, ARM Products, and Interest-Only Options
• Approvals Based on Debt Service Coverage Ratio
• Flexible Prepayment Penalty Options
Fix & Flip
Maximize your leverage and funds for the repairs of your property.
• Up to 92.5% LTC
• Up to 100% of Rehab Costs
• No Interest Charged on Undrawn Rehab Funds
• No Prepayment Penalties
Fix to Rent
Turn rehabs into rentals, all with one lender.
• Extra 1% Off Your Total Rate*
• Finance Purchase Plus Repair Costs
• Roll into a Refinance & Receive a 50% Discount on Origination Fees
SFR Portfolio
One simple payment for multiple properties.
• Up to 80% LTV Purchase, Rate/Term
• Up to 75% LTV Cash-Out Refi
• Minimum 5+ Properties
• 30-Year Amortizations or Interest-Only Available
Speak with a Loan Advisor