Loans for RE Investors.
Built to Close,
Not Just to Quote.
From start to finish, we handle underwriting, appraisal, title, and closing ourselves - so your deal closes on the terms we agreed to. Fix & flip, DSCR rental, bridge, and construction loans in 40+ states.
Send Us the AddressFunding investors since 2005 · >10k properties · 40+ states
Send Us the Address
Talk to a Lender, Not a Sales Team
What Can Go Wrong After You Order Appraisal, and How We Prevent It
Headline rates don't tell the whole story—structure and execution matter.
What Goes Wrong
- Terms shift between quote and closing
- Appraisal comes in low and the deal falls apart
- Title or insurance issues stall closing
- You’re two weeks in and realize your lender can’t close
How We Handle It
- We underwrite your deal in-house before you commit. The numbers you see are real - not estimates that get revised later.
- We manage appraisal ourselves and build deals with room to absorb a low value. We’ve seen it before.
- We handle title and insurance in-house. No third-party handoffs. No waiting on someone else’s timeline.
- We’ve funded 10k+ deals. We don’t quote what we can’t close. And if something shifts, we have the infrastructure to keep your deal on track - not start over.
What We Fund
Loan programs designed for serious real estate investors
Fix & Flip Loans
Fast funding for your next flip or BRRRR project with competitive rates and flexible terms.
- 7-14 day closing
- Up to 90% of purchase
- Always 100% of renovation
- Interest-only payments
- No prepayment penalties
Competitive rates — ask for today's pricing
DSCR Rental Loans
Long-term financing based on property cash flow, not your personal income.
- 30-year fixed rates available
- No income verification required
- Cash flow based approval
- No seasoning required
- Up to 80% LTV cash-out
Competitive rates — ask for today's pricing
Bridge Loans
Quick transitional financing to bridge the gap between purchase and sale/refi.
- 10-21 day closing
- Up to 80% LTV
- Pay off maturing loans while you market for sale
- No renovation required
- 6-24 month terms
Competitive rates — ask for today's pricing
New Construction
Ground-up construction financing for experienced builders and developers.
- Up to 90% of project cost
- Interest-only during construction
- Experienced builder required
- Progress-based draws
- Convert to permanent financing
Competitive rates — ask for today's pricing
Small/Multi Family
Financing for 5-10 unit properties and small apartment buildings.
- 5-10 units financing
- Up to 75% LTV
- Short term rentals
- Competitive long-term rates
- Streamlined underwriting
Competitive rates — ask for today's pricing
How It Works
From first contact to funding--here's how it works
Send Us the Deal
Property address, purchase price, and your plan - flip, rental, bridge, etc. That's enough for us to start working on it.
We Underwrite It
We look at the deal the way we'd look at our own. Underwriting, appraisal, title - all handled by our team. By the time you see the terms, the deal's been through the wringer.
Clear Terms. Clean Close.
Rate, fees, and timeline upfront. No surprises at the table. If something shifts during the process, we handle it. You focus on the deal.
About LenderX.ai
Built by investors, for investors--since 2005
We've Been on Your Side of the Table.
We've been flipping, building, and owning rental properties since 2005. We've survived market crashes, funded >10k properties, and BRRRR'd properties before BRRRR was even a buzzword.
We've also spent time inside the corporate lending world--the rigid underwriting, the jargon, the slow communication. We left because we knew investors deserved better.
LenderX.ai exists to give you what we always wanted as borrowers: straight answers, a team that handles the entire process, and someone who picks up the phone.
Every borrower works with our team. We built it that way because that's how we'd want it if we were on your side of the table.
Since 2005
Two decades of real estate investing experience through multiple market cycles
>10,000 Properties
Funding deals nationwide--we know what works and what doesn't
Real Experience
We've done the deals, made the mistakes, learned the lessons - now we fund yours
Always Available
No automated responses or "we'll get back to you" - real people, real conversations
Advanced Mortgage Calculator
Comprehensive calculations for all your real estate investment scenarios
Frequently Asked Questions
Get answers to the most common questions about our loan programs
For fix & flip loans: 7-14 days is typical for experienced borrowers with clean deals. Bridge loans: 10-21 days. DSCR loans: 15-45 days depending on complexity. We don't make promises we can't keep - these are real timelines based on actual closings.
We've been in real estate since 2005, so we understand the deals we fund. We handle the entire loan process ourselves: underwriting, appraisal, title, insurancw, closing. That means when you commit to a deal with us, we're not handing it off to someone else. We're lenders, not middlemen. Your deal, our process, one team from first call to funding.
While we do have a few programs for sub-600 credit, optimal programs start at 660+. For fix & flip, we like to see some real estate experience, but we do have programs for newer investors who have decent credit and liquidity (a GC may be required depending on size of rehab). DSCR loans are priced based on credit and LTV, experience is not really a factor.
We lend in 40+ states and are expanding. If you have a deal, send it over and we'll let you know if we can cover your state.
Basic package: purchase contract (if buying), renovation budget, ID, entity docs, bank statements, and previous real estate experience (REO) summary. For DSCR loans, add rent roll and a copy of current lease. We'll tell you exactly what's needed after initial review.
Ready to Get Funded?
Let's discuss your next real estate investment deal
Get in Touch
(702) 527-2799
[email protected]
40+ States, 500+ Cities
Typically within the same business day