Lendency Review
Founded 2020 · Miami, FL · Nationwide
3.8
Editor Rating
Lendency is a DSCR lender focused on simplicity and speed, offering 30-year rental loans with a streamlined application process. Targets investors who want a straightforward DSCR experience.
Editor's Take
Lendency does one thing and keeps it simple: 30-year DSCR loans with minimal friction. If you want a straightforward rental property loan without navigating complex product menus, Lendency's streamlined process is refreshing. Good for first-time DSCR borrowers who want to close quickly without a steep learning curve.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
Pros
- Simple, streamlined DSCR process
- Fast DSCR closings (14–21 days)
- Competitive rates
- Works with first-time investors
Cons
- DSCR only — no short-term products
- No interest-only option
- Newer company
- No foreign national programs
Loan Products Offered
Eligible Property Types
Best For
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Lendency Review: Frequently Asked Questions
Is Lendency a legitimate lender?
Lendency is an established lender founded in 2020 and headquartered in Miami, FL. It lends nationwide and specializes in DSCR loans. To verify it for yourself, confirm Lendency's current NMLS registration and state licensing, check its Better Business Bureau (BBB) profile and reviews, and compare written quotes before you apply.
What are the pros and cons of Lendency?
Pros: Simple, streamlined DSCR process; Fast DSCR closings (14–21 days); Competitive rates. Cons: DSCR only — no short-term products; No interest-only option; Newer company.
What credit score do you need for Lendency?
Lendency's published minimum credit score is 660. A higher score generally unlocks better rates and higher leverage. Requirements vary by loan program and are subject to change.
What rates and fees does Lendency charge?
Lendency's rates run approximately 6.75%–8.5% with origination fees of 1–2 points, on loans from $75K to $2M (up to 80% LTV). All figures are approximate and subject to change — request a written quote for your scenario.
Can you close with Lendency in an LLC?
Yes. Lendency allows investors to take title in an LLC, which many use for liability protection and cleaner portfolio organization.
How fast can Lendency close a loan?
Lendency typically closes in 14–21 days, depending on the loan program, the property, and how quickly you provide documentation.
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.