30+ Capital Sources.
One Relationship.

Who We Are

LendingStreet is a licensed investment property financing firm (JRS Home Loans LLC d/b/a LendingStreet, NMLS #1734316) serving real estate investors across 50 states. We specialize exclusively in real estate investor financing — DSCR rental loans, Fix & Flip, Bridge, Ground-Up Construction, Commercial, Multifamily, and Short-Term Rental financing.

Here's what makes us different: we're not a direct lender with one set of rates and one underwriting box. We have direct relationships with 30+ capital sources — each with their own strengths, rate sheets, and appetite for specific deals. When one source says no, we route to another.

For 10 years, that's meant getting deals closed that direct lenders declined. Different credit profile. Non-standard property. Tight timeline. Complex ownership structure. We've seen it and closed it.

The 30+ Capital Source Advantage

Direct lenders have one rate sheet. If your deal doesn't fit their box — wrong property type, wrong credit tier, wrong loan amount, wrong timeline — they decline. Full stop.

LendingStreet's 30+ capital source network means one application reaches dozens of underwriters. We know which lenders excel at DSCR under 1.0x, which ones close Fix & Flip in 7 days, which ones handle commercial multifamily over $5M, and which ones accept LLC ownership without a personal guarantee. That intelligence is what brokers do — and what direct lenders can't match.

What We Finance

We exclusively finance investment properties. We do not originate consumer mortgages, primary residence loans, or first-time homebuyer programs.

• DSCR Rental Loans — $150K to $3.5M, 30-year fixed, qualify on rental income
• Fix & Flip — $150K to $5M+, up to 95% LTC, 100% rehab
• Bridge Loans — 5-10 day close, no DSCR minimum
• Short-Term Rental (STR) — AirDNA income accepted
• Long-Term Rental — 30-year fixed for buy-and-hold
• Ground-Up Construction — LTC-based, 12-30 month terms
• Commercial & Multifamily — $500K to $20M

How We Work

Our process is built for speed without sacrificing diligence:

1. Apply & Pre-Qualify — 30-second online form, no hard credit pull, response within 48 hours
2. Route to Best Fit — we match your deal profile to the capital sources most likely to fund it aggressively
3. Structure & Close — direct communication with underwriters, clear timelines, funding as fast as 5 business days on bridge

Credentials & Compliance

• NMLS #1734316 — JRS Home Loans LLC d/b/a LendingStreet
• Member, American Association of Private Lenders (AAPL)
• Equal Housing Opportunity
• Lending across all 50 states