Published terms, read October 24, 2026
LendingOne loan terms
Investor lender offering DSCR, fix-and-flip, construction, fix-to-rent and SFR portfolio loans.
LendingOne: DSCR rental loans
| Term | LendingOne | Doors Funded programs |
|---|---|---|
| Loan amount | $85,000 to $2,000,000 | $75,000 to $2,000,000 |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 80% LTV (75% cash-out) |
| Min FICO | Not published | 660 |
| Min DSCR | 0.75x | 1.05x |
| Experience | Not published | Not required |
| Property types | Single family, 2-4 units, condos, townhouses | Single family, 2-4 units, townhomes, PUDs, warrantable condos |
Conditions: 30-year fixed, 5/1 and 10/1 ARMs. Short-term rentals considered. [1]
LendingOne: Fix and flip loans
| Term | LendingOne | Doors Funded programs |
|---|---|---|
| Loan amount | $100,000 to $3,000,000 | $50,000 to $3,000,000 |
| Purchase | Up to 92.5% LTC | Up to 90% of price |
| Rehab | Up to 100% | Up to 100% |
| Max ARV | Not published | Up to 75% of ARV |
| Min FICO | Not published | Quoted per loan |
| Experience | Not published | None required |
| Term | 12 to 24 months | 12 months; 18 months case by case |
Conditions: The page headline says 12 months; the term table says 12-24 months standard. [1]
LendingOne: Ground-up construction loans
| Term | LendingOne | Doors Funded programs |
|---|---|---|
| Loan amount | Up to $40,000,000 | $50,000 to $3,000,000 |
| Max LTC | Up to 90% LTC | Up to 85% of cost (90% with 3+ similar projects) |
| Max ARV | Up to 70% of ARV | Up to 70% of completed value |
| Min FICO | Not published | Quoted per loan |
| Experience | At least one ground-up project in the last 36 months | 1-2 prior ground-up builds |
| Term | 12 to 24 months | 12 months, up to 18 (up to 24 for experienced builders) at the lender's discretion |
Conditions: Without recent experience, a licensed general contractor with a track record can strengthen the file. [1]
LendingOne: Rental portfolio (blanket) loans
| Term | LendingOne | Doors Funded programs |
|---|---|---|
| Loan amount | Up to $3,000,000 | Up to $2,000,000; each property worth at least $72,000 |
| Max LTV | Up to 80% LTV (75% cash-out) | Up to 80% LTV (75% cash-out) |
| Min DSCR | 1.00x | 1.05x |
| Min FICO | Not published | 680 |
Conditions: Up to 20 properties in one loan; 30-year term with a 10-year interest-only option; recourse and non-recourse options. [1]
Where LendingOne lends and who can borrow
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC | 47 states and Washington, DC. Not available in North Dakota, South Dakota or Vermont. | Business entity (LLC or corporation); full recourse | DSCR: Eligible, up to 65% LTV. Fix and flip: Eligible (some countries excluded). Construction: Eligible. |
| LendingOne | Every state except Alaska, Nevada, North Dakota and South Dakota. [src] | Required: LLC, limited or general partnership, corporation or revocable trust. [src] | Not published |
Who LendingOne fits, on its published terms
- Rentals with thin coverage: LendingOne publishes a 0.75x DSCR floor.
- Large construction loans, up to $40 million.
- Small portfolios: up to 20 properties in one loan, at a 1.00x DSCR.
Check these before you apply
- Credit score minimums are not published.
- Construction loans need at least one ground-up project in the last 36 months.
- Not available in Alaska, Nevada, North Dakota or South Dakota.
Where our programs differ
- DSCR floor: LendingOne 0.75x; our program 1.05x.
- Flip: LendingOne publishes up to 92.5% of cost and 100% of rehab, with no published ARV cap; our program up to 90% of price and up to 75% of ARV.
- Construction experience: LendingOne needs one ground-up project in 36 months; our program needs 1-2 prior ground-up builds.
Neither column is a quote. Every lender prices each deal, and the term sheet you get is what counts. If your deal sits near a limit in either column, send it and we will tell you which side of the line it falls on.
Sources
- LendingOne: DSCR rental loans. Read October 24, 2026.
- LendingOne: fix and flip loans. Read October 24, 2026.
- LendingOne: new construction loans. Read October 24, 2026.
- LendingOne: SFR portfolio loans. Read October 24, 2026.
- LendingOne: FAQs. Read October 24, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.