Lender profile
Lendai Finance
hard money · New York, NY · founded 2018
No verification date on file. The figures below have not been re-checked against a published source — read them as reported, not confirmed, and verify directly with Lendai Finance before relying on them.
Lendai Finance underwrites DSCR rental loans for foreign-national investors — non-US-resident buyers financing US rental property, a niche most national DSCR lenders skip — alongside fix-and-flip, BRRRR, and bridge products. Loan sizes run $75,000 to $3,000,000 at up to 75% LTV / 85% LTC, with a 30-year rental exit and closings in 14-21 days. Lendai Finance is a hard money lender, founded in 2018, headquartered in New York, NY, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, BRRRR, rental, bridge, foreign-national. On the deal itself, Lendai Finance publishes loan sizes from $75,000 to $3,000,000 and leverage up to 75% LTV / 85% LTC.
No SEC filing establishes a corporate-ownership relationship for Lendai Finance— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its figures on this page carry no verification date, so they are reported as published rather than independently checked — verify directly with Lendai Finance before relying on them.
Published facts
Loan size
$75,000 – $3,000,000
Max LTV
75%
Max LTC
85%
Rate range
9.5% – 12%
Points
1 – 3
Terms
12-24 months (hard money) / 30-year (rental)
Close time
14-21 days typical
Lendai Finance does not publish a state-coverage count. Its stated geographic focus is "National" — a description of intent, not a confirmed licensure claim.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Lendai Finance is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Zero SEC full-text search hits for Lendai Finance in any filing form.
⬜ Published criteria not yet independently verified — the figures on this page are reported as published, not checked against a dated source.
⬜ Regulatory complaint check — not yet run.
What Lendai Finance has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Lendai Finance about, not as a criticism. Of the 11 criteria categories this directory tracks, Lendai Finance has not published 5:
- Minimum credit score (22 of 38 lenders here publish it)
- Minimum DSCR (18 of 38 lenders here publish it)
- Origination channel (17 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
Products
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- BRRRR — financing built for the buy-rehab-rent-refinance-repeat cycle — a short-term acquisition/rehab loan meant to be followed by a refinance into a long-term rental loan
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
- foreign-national — DSCR underwriting available to non-US-resident borrowers financing US rental property
Strengths
- Foreign-national DSCR underwriting
- 30-year rental exit
- Loan sizes up to $3,000,000
- Covers fix-and-flip and BRRRR alongside rental
Who this lender suits
A foreign-national or LLC-wrapped investor who needs a rental DSCR lender willing to underwrite a non-US-resident borrower
Deal scenarios Lendai Finance clears
Lendai Finance does not clear the numeric threshold on any of the 119 deal scenarios this site tests, at least not from what it has published on record — and its figures carry no verification date, which alone keeps every scenario in the "has not published this" bucket rather than "clears it" . That is a statement about what Lendai Finance has put in writing, not about whether a deal with it is financeable — the only way to find out is to ask.
How Lendai Finance compares
Lendai Finance is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Lendai Finance's published figures side by side with any other lender's profile directly. Open the directory.