Tidal Loans is a Houston-based private lender serving real estate investors with hard money, fix-and-flip and rental financing. LendingStreet places investor deals across a network of 30+ capital sources. Here is how the two structures differ in practice.
The short answer: Tidal Loans is a direct private lender with its own capital and its own guidelines. LendingStreet places the same scenario across 30+ capital sources and compares the results. If your deal fits Tidal’s parameters, direct is straightforward. If it does not, one decline ends the conversation.
You are focused on Texas or Gulf Coast markets, your deal is standard hard money or fix-and-flip, and you prefer one direct lender relationship.
You need options compared, you are investing across several states, or your scenario includes something a single lender is likely to exclude.
A note on fairness: Tidal Loans is a legitimate, established option and this page does not claim otherwise. Rates, terms and guidelines change frequently and are not compared here — confirm current terms directly with any lender you are considering. LendingStreet’s argument is structural: one application placed across 30+ capital sources produces more options than one credit box.
No. LendingStreet is a licensed investment property financing firm (NMLS #1734316) that places business-purpose loans across a network of 30+ capital sources, some of which are private and hard money lenders.
If your deal fits standard parameters, either can work. A marketplace helps most when experience is limited, because lenders differ significantly in what they require of first-time flippers.
Yes, in all 50 states.
Have a scenario? Tell us the deal and we will price it across our capital sources.
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