Lendai specializes in foreign investors who want to invest in the US real estate market.

The process starts by filling out the contact us page. Once you leave your details, someone from Lendai’s Costumer Success team will contact you to continue your application. Click here to start the process.

Lendai finances the following type of properties: Single families, 2–4-unit residences, condos, townhouses, 5-8 units.

A Lendai Partner is any real estate professional that works with foreign investors and wants to offer their clients this financing tool.

Lendai finances properties in the following US States: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

No, Lendai is a tech oriented direct lender. We underwrite, finalize, and fund the loans.

No. Our terms are competitive and designed for a 30-year loan.

No. Hard money lenders usually fund short-term high-risk deals.

No. This is a business financing that is provided in the US, and is therefore not related to your personal credit rating in your origin country.

Using our underwriting algorithms, we can know how much the asset is worth. Still, we send an appraisal to the property to ensure it’s in the condition the investor reported.

No. All chargers are deducted from the loan amount, aside from the appraisal fee which is paid directly to the appraisal company.

The pre-approval letter can usually be turned around quickly. Lendai can provide a Pre-Approval letter in as little as 48 hours.

A term sheet can be received in as little as 5 minutes.

Yes, it is required to hold the property through a US entity (such as LLC, LLP, LP, C-corp, etc.), as is the practice of most professional investors.

Given the fact that we work on a Go/No-Go basis, the terms should not change as long as the information that was provided was accurate. The final loan offer will be based on the appraisal report.

As part of the closing process, you will be asked to fill in an ACH form to set your automatic payment from your account of choice. 

Every investor has a designated Loan Specialist that will handle his/her file and accompany him/her throughout the process.

Lendai offers New Purchase Loans, Cash-Out Refinance Loans, Standard Refinance Loans, and Portfolio Loans. We offer 30-year Fixed Rates, focusing on DSCR (Debt Service Coverage Ratio) and Global DTI (Debt to Income Ratio). We now also have Short Term Programs such as Bridge Loans, Fix & Flip Loans, Ground-Up Construction Loans.

In addition, we provide Pre-Approval letters.

Lendai finances the following type of properties: Single family homes, 2–4-unit residences, condos, condo-hotels, townhouses, 5-8 units.

The loans are fixed for a period of 30 years.

Lendai is a lender that focuses on Super Prime loans, so we offer our clients good terms and a short procedure. The scope of financing is based on the value of the property, the expected rent, and other variables.

We will finance any condo, including condotels subject to our underwriting guidelines.


The Lendai underwriting guidelines are based on four main factors: 1. Property value 2. Property DSCR 3. Borrower’s liquidity 4. Borrower’s credit profile in the country of origin

The documents required may vary according to your origin country and your employment. The documents we require allow us to confirm your identity and verify your income.

In most cases, we require the property to be professionally managed (operation and maintenance). Self-managed properties will be subjected to further inquiry.

Property & Liability insurance, Loss of Rent, and flood insurance where needed.

In a New Purchase Loan, it is possible to finance a property that is not currently rented. However, the property needs to be in good conditions and ready to be leased within 60 days.

No, we specialize in financing for foreign investors and therefore do not need an SSN.

No, given the fact that Lendai only lends to local US entities (LLC, LP, LLP, etc.), all you need is the EIN of the US entity.

No, Lendai’s proprietary technology allows us to  cross border finance with the help of documents from your origin country.

Lendai finances properties with up to four members per US entity.
If your US entity has five or more members, please contact us to check possibilities.


Please note that if the closing is expected to take place in the upcoming two weeks, you may need to postpone it by a few days or apply for financing after the purchase.

Lendai only requests you pay for the Appraisal Report, which will be paid directly to the appraisal company.

No, every investor receives the same offer that is based on Lendai’s Proprietary Underwriting System.

No, Lendai has no hidden fees. The 2% origination covers all fees related to processing, underwriting, and originating your loan.

In exchange for a one time and up front fee, Discount Points lower your interest rate and your monthly payment . Over the course of a 30-year loan, these Discount Points can save the borrower a significant amount of money. The Discount Points are totally optional for the borrower. Lendai follows the US standard pricing procedure of Discount Points.

Each discount point paid lowers your interest rate by 25 basis points (0.25%) for the entire 30-year duration of the loan. The more points you have, the more you save on your loan payments throughout the loan term. Buying discount points is best suited for investors who intend to hold the property for a long period of time.

Lendai needs to make sure that the property’s tax bills and insurance premiums are fully paid on time. Lack of payments can create a tax lien which can lead to foreclose of the property by the authorities. If you do not pay the insurance, then the house is not covered in case of damages. Lendai and you are then excluded from coverage and may lose part/all of the investment.

We offer foreign investors various prepayment penalty options: 5 years, 5-4-3-2-1, 3 years, 3-2-1 and without PPP.

5 years: This is a fixed penalty if you want to pay off the loan before the end of the term.

5-4-3-2-1: This is a decreasing penalty if you want to pay off the loan before the end of the term. The first year you pay 5% of the loan amount, the second year 4%, and so on until the fifth year. From the sixth year onwards there is no prepayment penalty.

3 years: This is a fixed penalty if you want to pay off the loan before the end of the term. 4) 3-2-1: This is a decreasing penalty if you want to pay off the loan before the end of the term. The first year you pay 3% of the loan amount, the second year 2% and the third 1%. From the fourth year onwards there is no prepayment penalty.

Without PPP: financing option in which the loan is allowed to be canceled without prepayment penalty.

Your first benefit is enabling your customers to continue growing their portfolio with access to US financing. The second advantage is the ability to market backward to your existing customers and allow them to extract their equity and continue to the next deal. The final benefit is Lendai’s referral program that will compensate you for each referral that you make

No, you do not need to know anything about US financing in advance. That’s the best part! You don’t need to be an expert – we are. We will handle everything after you refer your customer to Lendai. You will always be able to track how the process moves along and see when the expected closing is. 

Our amazing tech team built an easy-to-understand, intuitive partner platform that can be used as a CRM and a referring platform. You will meet with one of our account executives for a 20-minute video call to fully understand how to work with the system and refer a customer.

We work with borrowers from the following countries: Canada, the UK, Ireland, France, Germany, Austria, Sweden, Norway, Spain, Switzerland, Denmark, Netherlands, Israel, South Korea, Australia, New Zealand, Argentina, Brazil, Chile, Colombia, and Mexico and more. We also provide loans to Americans, including US citizens and US ex-pats.
We are constantly opening more countries. Contact us to learn more if your country is not listed.

We offer cash-out refinance, new purchase, and portfolio loans. We also provide a pre-approval letter if your customers are looking to purchase a new property. Our loans have a 30-year fixed rate. Sign up to our newsletter to get notified once we introduce a new product. 

No. The customer gets a link to their email address with instructions on filling in the information seamlessly and effortlessly.

If you are a Loan Broker, you can fill in the application on behalf of your client. 

Nothing. This is a partnership. All three sides benefit when a loan is closed. You, us, and the borrower. 

Every loan application is opened by one of our partners. That means that if your customer reaches us directly, their loan application will still need to be initiated by the partner that entered him into the system.  

Our Partner Platform also offers all the advantages of a CRM system where you can follow all the customers you referred and manage your data in one place.