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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.
