LendingStreet Expands Financing for Investment Property Scenarios Most Lenders Decline
Firm doubles producing team and grows active pipeline more than 45% in six weeks as demand rises for no-ratio DSCR,
Press Release Disclaimer: This is a press release distributed through the XPR Media network. It has not been independently verified by our newsroom.
Firm doubles producing team and grows active pipeline more than 45% in six weeks as demand rises for no-ratio DSCR, no-appraisal bridge, and short-term rental financing.
DALLAS, TX / ACCESS Newswire / August 28, 2026 / LendingStreet, a licensed investment property financing firm (NMLS #1734316), today reported significant growth in its specialty lending categories, driven by rising investor demand for financing structures that fall outside conventional lender guidelines.
The firm’s active loan pipeline has grown more than 45 percent over the past six weeks. Its producing loan officer team has doubled since spring, and LendingStreet now originates across eight investment property product lines in all 50 states.
Growth Is Coming From the Edges, Not the Middle
LendingStreet attributes the expansion primarily to categories that single-source lenders often decline outright. As balance-sheet lenders have tightened guidelines, investors with sound deals but non-standard profiles have had fewer places to go.
Specialty categories showing the strongest growth include:
– No-ratio DSCR – rental financing where the property does not need to meet a standard debt service coverage threshold
– Sub-1.0 DSCR and sub-660 FICO scenarios that fall below common lender floors
– No-appraisal bridge financing, with qualifying deals closing in as little as five to ten days
– Short-term rental loans qualified on projected revenue rather than historical rent rolls
– Condotels and 5-to-8-unit multifamily, property types many lenders exclude entirely
– Blanket portfolio and cross-collateral structures for investors holding five or more properties
– Gap funding for deals where senior financing falls short of total capital required
“The deals we see most are not bad deals. They’re good deals with one thing about them that doesn’t fit somebody’s box,” said LendingStreet. “A property type a lender won’t touch, a ratio that’s a tenth of a point light, a borrower whose income doesn’t show up the way an underwriter expects. One lender says no and the investor assumes the deal is dead. It usually isn’t.”
A Marketplace Model Rather Than a Balance Sheet
LendingStreet operates as a financing marketplace rather than a direct lender, placing investor loans across a network of more than 30 capital sources. The firm says the structure is what makes the specialty categories viable: a scenario declined by one capital source is submitted to others whose guidelines fit it.
“A direct lender gives you one answer from one credit box, and that’s the end of the conversation. We’re set up so a decline is the beginning of one. Same application, different sources, until something fits or we tell the borrower honestly that it doesn’t.”
The company has also invested in AI-assisted operations to compress turnaround times across underwriting coordination and borrower communication, which it credits as a contributor to the pace of its growth.
Products and Footprint
LendingStreet originates DSCR rental loans, fix-and-flip, bridge, ground-up construction, commercial and mixed-use, multifamily, blanket portfolio, and short-term rental financing. Loan sizes range from $150,000 with no stated maximum, and the firm lends in all 50 states.
All LendingStreet financing is business-purpose lending on non-owner-occupied investment property. Terms vary by borrower, property, capital source, and market conditions.
About LendingStreet
LendingStreet is a licensed investment property financing firm operating as JRS Home Loans LLC d/b/a LendingStreet, NMLS #1734316. The company provides business-purpose financing for real estate investors in all 50 states through direct access to a network of 30+ capital sources. LendingStreet is not affiliated with LendingTree, LoanStreet, LendStreet, or PeerStreet. More information is available at lendingstreet.io.
LendingStreet Media Relations
Phone: (877) 298-1001
Email: investors@lendingstreet.io
Website: lendingstreet.io
NMLS: #1734316
SOURCE: LendingStreet
View the original press release on ACCESS Newswire
Media gallery
