Why a U.S. Citizen with Good Credit Chose Lendai, And Closed DSCR in Just 9 Days

In a fast-paced real estate market like Miami, securing a good investment property is more than just a numbers game,  it’s a race. Speed, certainty, and execution often matter more than anything else. And in this case, even a U.S. citizen with solid credit and access to dozens of lenders realized that getting to the finish line first required more than traditional banking.

He didn’t just want a mortgage.
He wanted a strategic advantage.

The Investor Profile

This borrower wasn’t a first-timer.
He was a U.S. citizen with respectable credit, experience in real estate, and plenty of traditional financing options available to him. By all conventional standards, he could’ve walked into any bank and applied for a mortgage.

But that’s exactly what he didn’t want to do.

The Traditional Lending Friction

Because like many savvy investors, he’d seen it all before:

• Endless document checklists.
  
• Delayed responses at critical moments.
  
• Lenders who didn’t understand investment-based underwriting.
  
• Rigid approval processes that didn’t align with investor timelines.
  
• Deals slipping away,  not because of price, but because of slow closings.
  

In competitive markets, the problem isn’t just qualifying for a loan.
It’s closing fast enough to beat the clock,  and the competition.

The Strategy: Choose a Lender Built for Investors

Instead of settling for the conventional route, he chose Lendai’s Non-QM program for domestic borrowers,  designed specifically for real estate investors.

With a DSCR loan (Debt Service Coverage Ratio), the loan qualification focused on the property’s cash flow potential,  not tax returns, W2s, or income statements. That meant less paperwork, faster underwriting, and a loan structure aligned with investment logic.

But what truly sealed the deal?

Lendai’s White-Glove Service

This investor wasn’t just buying a property. He was buying speed, support, and confidence.

Here’s what white-glove service meant for him at Lendai:

• One-on-one support from start to close,  no faceless call centers
  
• Fast responses and proactive updates,  never left in the dark
  
• Streamlined documentation,  no tax returns, no redundant requests
  
• A digital-first experience that felt modern, intuitive, and efficient
  
• A team that handled the details, freeing him to focus on the deal
  

The Result: Closed in 9 Days

With Lendai’s team working alongside him, the entire file was cleared to close in just 9 business days.

No stress. No back-and-forth. No missed opportunity.

That speed gave him the edge,  and allowed him to confidently close on a high-potential Miami property before others could even submit their final offers.

Loan Summary:

• Location: Miami, FL
  
• Property Value: $580,000
  
• Loan Amount: $402,500
  
• Interest Rate: 5.750% Fixed (30-Year)
  
• Loan Type: DSCR (Non-QM)
  
• Time to Close: 9 Business Days
  
• Borrower Type: U.S. Citizen, Real Estate Investor

The Takeaway for Other Investors

This story proves a simple but powerful point:

Even well-qualified U.S. borrowers are choosing Lendai,  not because they have to, but because they know better.

They choose Lendai for the strategy, the speed, and the service.
They choose a lender that understands investor needs,  and delivers like a partner, not just a provider.

Ready to close smarter?

Whether you’re a foreign national or a U.S.-based investor, Lendai helps you move faster, qualify easier, and win more deals,  without the usual friction.