Overview
Lendai Finance specializes in foreign-national DSCR — non-US-resident investor financing on US real estate, a category most lenders won't touch.
Lendai Finance is based in New York, NY and was founded in 2018. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge, foreign-national financing. Their loan amount range runs from $75K to $3.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, foreign-national |
| Geographic coverage | National |
| Loan size | $75K – $3.0M |
| Interest rate range | 9.5% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 75% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
Strengths
- foreign-national DSCR specialist
- experienced cross-border underwriting
Ideal borrower
Foreign-national investor or LLC-wrapped investor
How Lendai Finance compares for Chicago investors
For Chicago metro investors specifically, Lendai Finance operates as one of multiple national options — competitive on broad product menus but local Chicago lenders sometimes win on relationship and close speed. As an institutional non-QM lender, their underwriting is templated and predictable — fast for experienced borrowers, less flexible for non-standard deals.
Common alternatives in Chicago
- Renovo Financial — Chicago-based, deepest local knowledge
- Kiavi — Tech-forward national leader
- Lima One Capital — Broad product suite, BRRRR-friendly
- Easy Street Capital — STR-DSCR specialist
Lendai Finance FAQ
Yes — Lendai Finance operates nationally and regularly funds Chicago-area deals
Lendai Finance's indicative rate range is 9.5%–12% with 1–3 points. Pricing depends primarily on funded-deals history, deal leverage, and exit certainty.
Lendai Finance's typical minimum loan is $75K, with maximum loan size up to $3.0M.
Lendai Finance's typical close timeline is 14-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Lendai Finance offers fix-and-flip, BRRRR, rental, bridge, foreign-national financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Foreign-national investor or LLC-wrapped investor
This review is an independent directory listing. Hard Money Chicago is not affiliated with Lendai Finance. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.