LendingOne publishes its own maximum: 80% rate-and-term, 75% cash-out
LendingOne is one of three firms in this record whose published number is about itself rather than about the market, which makes it one of the few figures here a borrower can treat as an indication of what is available.
What this firm publishes
| What | Figure | Read from the page | Source |
|---|---|---|---|
| Published maximum loan-to-value | 80 percent | "LendingOne, for example, offers up to 80% LTV on purchase or rate/term refi; up to 75% LTV on cash-out" | LendingOne, DSCR loans guide checked September 2026 |
Property types
Listed under a property type only where this firm's own live page for it answered.
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What it publishes
Read 10 September 2026: 'LendingOne, for example, offers up to 80% LTV on purchase or rate/term refi; up to 75% LTV on cash-out.' The same page publishes portfolio and blanket rental loans at often up to about 75% LTV on five to ten year terms, with balloon, fixed and ARM structures.
The cash-out gap is the useful part
The five-point difference between 80% on rate-and-term and 75% on cash-out is the clearest published statement in this record of what taking equity out costs you in leverage. Every firm here that separates the two publishes a lower number for cash-out, and knowing the size of the step before you apply is the difference between a plan and a surprise.
Questions borrowers ask before they apply
- Does LendingOne publish its LTV limits?
- Yes, and about itself: up to 80% on purchase or rate-and-term refinance and up to 75% on cash-out.
- Is that an offer?
- It is a published maximum for its own program, which is more than most firms in this market print. The rate and the actual leverage still come from underwriting your file.