VERDICT
LendingOne offers financing solutions for real estate investors, including DSCR rental, fix and flip, new construction, build to rent, and SFR portfolio loans. - lendingone.com
Depends. Use LendingOne if you are a real estate investor with 680+ credit needing DSCR, fix-and-flip, or build-to-rent financing. Skip it if you are buying a primary residence or need published consumer-mortgage rates upfront.
Medium. Based on ~30 public sources; loan rates largely unpublished, so value scoring is limited.
Broker channel
1 point or $2,000 (whichever is greater)
medium
Brokered loans cost 1 point or $2,000 minimum — whichever is greater.
medium
680 minimum credit score; weaker borrowers pushed to hard-money alternatives.
medium
No security page published; ask directly about data protection practices.
low
Investors routinely comparison-shop LendingOne against rivals; the lowest rate is not guaranteed.
Value for money: 3/5
Rating
1 point or $2,000 (whichever is greater)
Starting price
10
Sources
Analyzed
1 point or $2,000 (whichever is greater)
No known vulnerabilities found in the sources reviewed.
Investors rate LendingOne 4/5 on Trustpilot and frequently comparison-shop it against rivals like Lima One on investor forums.
“I'm leaning between LendingOne and Lima”
“Their minimum credit score is 680”
Compare LendingOne with each alternative.
DSCR and fix-flip rival investors actively compare it against
LendingOne vs Lima OneNational private lender covering similar investor loan types
Fix-and-flip lender compared head-to-head in 2026 reviews
LendingOne vs KiaviBased on ~30 public sources; loan rates largely unpublished, so value scoring is limited.
Legit investor lender (4/5 Trustpilot, CNBC service nod). Good for DSCR/flip/BTR; wrong for owner-occupied or sub-680 credit.
Based on ~30 public sources; loan rates largely unpublished, so value scoring is limited.
Anonymous. You can change your vote.
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