LendingOne has built a strong reputation serving emerging real estate investors with their Fix-to-Rent program and 4.5-star Trustpilot rating. LendingStreet brokers across 30+ capital sources for investors whose deals need broader options. Here's how to choose between them.
The short answer: LendingOne is a direct lender that genuinely specializes in serving emerging investors (1-5 properties) with their flagship Fix-to-Rent BRRRR program. Their Trustpilot rating of 4.5 stars across 400 reviews is among the highest in the investment property lending space.
LendingStreet operates as a licensed broker (NMLS #1734316) with 30+ direct capital sources. When LendingOne's box is the right fit — especially for the Fix-to-Rent strategy — they often deliver competitive terms. When the deal needs broader options, larger loan amounts, or non-standard structures, LendingStreet's network has paths LendingOne alone cannot offer.
| Factor | LendingStreet | LendingOne |
|---|---|---|
| Business model | Licensed mortgage broker, 30+ capital sources | Direct lender |
| NMLS / licensing | NMLS #1734316 | Licensed direct lender |
| Total funded volume | $4.36B across 8,196 deals | Not publicly disclosed |
| States served | 48 states | 41 states |
| Trustpilot rating | Building review base in 2026 | 4.5 stars across 400 reviews |
| BBB rating | Licensed and registered | A+ rating |
| Criterion | LendingStreet | LendingOne |
|---|---|---|
| Maximum LTV (purchase/refi) | Up to 80% | Up to 80% |
| Maximum LTV (cash-out) | Up to 75% | Up to 75% |
| Maximum loan amount | $5M+ via network | Up to $2M |
| Sub-1.0 DSCR | Available through select capital sources | Generally requires 1.0+ DSCR |
| No-ratio DSCR | Available through select sources | Not their primary offering |
| Term options | Varies by capital source | 30-year fixed and ARM available |
| Prepayment penalty | Varies by source | Flexible 0-5 year options |
Sources: lendingone.com/resources/faqs, lendingone.com, CNBC Select Best Investment Property Loans 2026.
| Criterion | LendingStreet | LendingOne |
|---|---|---|
| Fix & Flip max LTC | Up to 100% via select sources | Up to 92.5% LTC |
| Fix & Flip max ARV/LTV | Up to 80% via select sources | Up to 75% LTV |
| Rehab financing | Up to 100% rehab costs (varies) | Up to 100% rehab costs |
| Bridge LTV | Up to 80% | Up to 80% LTV |
| Fix-to-Rent program | Available through network | Flagship program: up to 95% LTC with 0.5% rate discount on rental refi |
Sources: lendingone.com/loan-types/hard-money-loans and FAQs.
We want to be honest about this: there are absolutely scenarios where LendingOne is the better choice, and we’d tell investors so. Specifically:
Here’s how each lender’s strengths play out in practice. All scenarios are based on real LendingStreet-closed deals with details anonymized.
First-time BRRRR investor with one existing rental, 700 FICO, looking to acquire and renovate a single-family property in Ohio with planned refinance into long-term rental. Standard property, clean exit strategy. LendingOne's Fix-to-Rent program is purpose-built for this exact scenario.
Portfolio investor needs $900K cash-out refinance on a 15-unit multifamily property in Alabama. Asset is performing but lender needs multifamily expertise and the loan amount exceeds typical SFR portfolio caps. This deal exceeds LendingOne's $3M SFR portfolio cap and is multifamily, not their primary specialty.
Investor with strong portfolio but property had 0.92 DSCR due to below-market rents. $400K loan needed. Standard LendingOne DSCR underwriting requires 1.0+. LendingStreet placed it through a specialty sub-1.0 capital source.
LendingOne is a direct lender, meaning they originate loans using their own capital and decision criteria. They are not a broker. This makes them a single source with their own underwriting box. LendingStreet is the opposite model — a licensed broker placing loans through 30+ direct lenders.
LendingOne publicly caps their DSCR rental loans at $2M and their SFR portfolio loans at $3M. LendingStreet's network has no hard cap — we've placed $5M+ deals through specialty capital sources.
Yes, similar Fix-to-Rent and BRRRR products are available through several capital sources in our network, though LendingOne's specific Fix-to-Rent program has been their flagship offering and is purpose-built for this strategy.
LendingOne has a strong track record: 4.5 stars across 400 reviews on Trustpilot and an A+ rating from the Better Business Bureau. LendingStreet is actively building our Trustpilot review base in 2026.
Get quotes from both. If your deal is a clean Fix-to-Rent or BRRRR with smaller loan amounts in one of their 41 states, LendingOne is often a strong choice. If your deal involves larger amounts, sub-1.0 DSCR, multifamily, multi-state portfolios, or non-standard property types, LendingStreet's 30+ source network has more options.
One application, one credit pull, multiple lender options. See if your deal qualifies for better terms than a single direct lender can offer.
Get Pre-Qualified → Browse Loan ProgramsAbout this comparison: Information about LendingOne was sourced from lendingone.com, lendingone.com/resources/faqs, lendingone.com/loan-types/hard-money-loans, and independent third-party sources including CNBC Select as of May 2026. Loan terms, rates, and underwriting criteria change frequently — verify current terms directly with each lender before making any decisions.
About LendingStreet: LendingStreet is the d/b/a of JRS Home Loans LLC, NMLS #1734316. We are a licensed mortgage broker, not a direct lender. We place loans through 30+ direct capital sources. LendingStreet earns a broker fee on placed loans. Loan availability, rates, and terms vary by deal, borrower qualifications, and capital source. All loan offerings subject to underwriting and qualification. This comparison reflects publicly available information and our broker experience.
Last updated: · Refreshed quarterly with updated competitor terms.
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