LendingOne
LendingOne became more interesting in 2026 when they dropped their DSCR floor from 1.1 to 0.75, putting them among the most flexible lenders in the market. They are also the embedded DSCR lending partner inside Stessa, the popular rental property management app, which makes them a natural choice for Stessa users who want to keep their lending and property management in one ecosystem. STR deals require a 1.20+ DSCR, higher than their standard floor.
- 0.75 DSCR floor (dropped from 1.1 in early 2026)
- Stessa integration for Stessa property management users
- STR allowed at 1.20+ DSCR
- Flexible 0-5 year prepayment options
Loan requirements
| Minimum DSCR | 0.75 (at median of 0.75) |
| Minimum FICO | 680 (above median of 660) |
| Max LTV (purchase) | 80% |
| Max LTV (cash-out) | 75% |
| Min loan amount | Not disclosed |
| Max loan amount | Not disclosed |
| Prepayment penalty | 0-5yr |
| BRRRR seasoning | Not disclosed |
Programs and coverage
| Short-term rentals (STR) | Yes |
| Foreign nationals | Not disclosed |
| State coverage | most states, excludes ~4 |
| Channel | Direct to investor |
Best for
- Investors with thin-margin properties (sub-1.0 DSCR)
- Short-term rental (Airbnb/VRBO) investors
How LendingOne compares
Across the 16 DSCR lenders in our database:
- DSCR floor of 0.75 matches the market median.
- FICO minimum of 680 is above the median (660), so they are more selective on credit.
- 80% max LTV is standard for the DSCR market. Most mainstream lenders cap at 80%.
- STR program available. 12 of 16 lenders in our dataset accept short-term rentals.
For a full side-by-side comparison, see the lender comparison matrix. Or use the DSCR loan qualifier to find which lenders match your specific deal.
Run your numbers
Before reaching out to LendingOne, model your deal:
- DSCR Calculator to verify your property's debt service coverage ratio
- DSCR Loan Calculator to estimate monthly payments and qualification
- Airbnb/STR DSCR Calculator to model short-term rental income scenarios
- Cash-Out Refi Calculator to see how much equity you can pull out
Frequently asked questions
Is LendingOne a good DSCR lender?
LendingOne is a legitimate DSCR lender with terms last verified on 2026-06-11. Whether they are a good fit depends on your specific deal. Their 0.75 DSCR floor is in line with the market median of 0.75. Compare their terms against 2-3 other lenders before committing.
What is the minimum credit score for LendingOne?
LendingOne requires a minimum FICO score of 680. This is within the standard range for DSCR lenders. Higher scores (740+) will qualify for better rates and higher LTV.
Does LendingOne do short-term rental loans?
Yes, LendingOne offers DSCR loans for short-term rentals (Airbnb, VRBO). STR programs typically come with slightly lower max LTV and potentially higher DSCR requirements compared to long-term rental programs.
Does LendingOne work with foreign national investors?
LendingOne has not publicly disclosed whether they offer foreign national programs.
What states does LendingOne lend in?
LendingOne's coverage: most states, excludes ~4. DSCR lender state coverage changes over time based on licensing and regulatory requirements. Always confirm your state is covered before starting an application.
What is the prepayment penalty at LendingOne?
LendingOne's prepayment penalty structure is: 0-5yr. A 5-year step-down means the penalty decreases each year. On a $300,000 loan, that is $15,000 in year one, $12,000 in year two, and so on.