LendingOne
LendingOne Review 2026
RRE REVIEW –
4/5
USER REVIEWS –
LendingOne Overview
What is LendingOne?
LendingOne is a direct private lender that serves residential real estate investors with a full suite of business-purpose mortgage loans, including DSCR rental loans, fix-and-flip bridge loans, SFR portfolio loans, fix-to-rent, new construction, and multifamily financing. The company (formerly Crestar Funding) operates as LendingOne, LLC and lends in 46 states, using its own capital and proprietary technology to deliver fast online application and underwriting. LendingOne serves a range of investor segments through tiered programs for emerging investors, growth investors, professional investors, and institutional clients via its dedicated Private Client Group for portfolio aggregation deals.
LendingOne Products & Services
LendingOne offers a comprehensive lineup of investment property loans designed exclusively for residential real estate investors. DSCR rental loans qualify properties based on rental income rather than borrower personal income, with loan amounts starting at $70,000 and 30-year fixed, ARM, and interest-only structures available. The lender also offers fix-and-flip bridge loans with up to 92.5% loan-to-cost coverage, fix-to-rent financing, ground-up new construction loans, and multifamily financing. The Private Client Group handles institutional transactions with non-recourse loans for build-to-rent aggregation, renovation facilities, and SFR portfolio term loans with capacities exceeding $100 million and flexible 5, 7, and 10-year terms. LendingOne uses its own capital across all loan products.
LendingOne Features
| Feature | Details |
|---|---|
| Full Investor Product Suite | DSCR rental, fix-and-flip, fix-to-rent, new construction, SFR portfolio, and multifamily loans on one platform. |
| Direct Private Lender With Own Capital | Funds loans with its own capital rather than brokering, enabling fast and consistent closings without third-party delays. |
| Private Client Group For Institutions | Dedicated team handles SFR portfolio term loans up to $100 million with non-recourse 5, 7, and 10-year terms. |
| Active RTL Securitization Issuer | Priced LONE 2023-1, a $252 million securitization of residential transition loans, the company’s tenth RTL securitization to date. |
| $6 Billion In Funded Loans | Over $6 billion funded since 2014 inception across investor lending lifecycle, with thousands of repeat borrowers annually. |
LendingOne Reviews
LendingOne Review by RentalRealEstate
4/5
Cost – 4
Ease-of-Use – 4
Customer Service – 4
Tools and Resources – 4
LendingOne is a strong choice for real estate investors who want a direct private lender that spans the full spectrum from individual fix-and-flip deals through institutional SFR portfolio facilities. What stands out most is the breadth of investor segments served: tiered programs for emerging, growth, professional, and institutional clients, anchored by the Private Client Group for portfolio aggregation. The lender competes on certainty and scalability, not on being the cheapest option. The active RTL securitization program and $6 billion in cumulative originations give LendingOne real institutional credibility. The tradeoff is that the current ownership structure is undisclosed, with the 2021 sale to an unnamed global asset manager.
Pros:
- Full investor lifecycle from fix-and-flip to institutional
- $6 billion in funded loans since 2014
- Dedicated Private Client Group for portfolio deals
Cons:
- Current ownership not publicly disclosed
- Not lending in five states including Nevada and Utah
- Rates generally higher than conforming loan options
Search Rental Real Estate
Try searching our site for hundreds of rental property topics including loans, investor tool reviews, real estate companies, property management tips and more.
LendingOne User Reviews
Have you used LendingOne? If so, please take a minute to leave an honest review of your experience below. By writing a review, you can help guide other real estate investors, operators, and managers on whether or not LendingOne is the good choice for them.
Submit
Your
Review
There are no reviews yet. Be the first one to write one.
LendingOne Alternatives
LendingOne FAQ
Is LendingOne Legitimate?
Yes, LendingOne is a legitimate direct private lender founded in 2014 (originally as Crestar Funding) and headquartered in Boca Raton, Florida. Operating as LendingOne, LLC under NMLS #1508627 with regional offices in Charlotte and New York, the company has funded over $6 billion in loans across 46 states.
Who Owns LendingOne?
LendingOne is privately held under an undisclosed global asset manager that acquired the company from founder Bill Green in 2021. The company was originally founded in 2014 (as Crestar Funding) by Bill Green and Co-Founder Matthew Neisser, who continues to serve as CEO. Multi-Housing News reports the unnamed parent is among the largest global asset managers in the nation.
More Rental Real Estate Tools
100+ Rental Real Estate Tools
