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Frequently Asked Questions

contact information

Who do I contact for general inquiries?

Email us at Dez@1SLending.com or call our office at 602-922-6882 for inquiries about our loan programs.

Who do I contact for servicing inquiries?

Click on the “LOGIN” button to log into your real time online account. There, in your portal, you can see how payments are applied, payments received, balances, and general loan information.

1-stop lending loan programs

What are the standard terms at 1-Stop Lending?
We offer short term financing terms of 6 or 12 months with extensions available up to 18 months, depending on the situation. Our loans are interest only and payments are due/payable on the 1st of the month. There are no prepayment penalties and no minimum interest required. You only pay interest on the amount of funds deployed/funded. Our rates range from 10-13%, depending on the opportunity.
How do you determine the loan amount?
We use a combination of the standard 4 Cs of underwriting. Collateral, Capacity, Character and Credit. Low leveraged and experienced investors with strong credit/character typically can get higher leverage than inexperienced investors with no proven track record. Every scenario is different and we love working with all investors, big and small. Complete an inquiry form on our website so we can determine how we can help you.
What states do you lend in?
For Fix and Flip and Ground Up Construction loans which require draws/disbursements we are lending in all counties of Arizona. For long term financing or bridge/cross-collateralized loans, we can lend in 48 states (investors only).
What type of documentation is required for the loan application?
If this is your first loan with us, we require a basic loan application and credit report. Repeat clients with a positive payment history with us can skip this step. Once we have the property information and your requested terms, we can issue a term sheet based on the asset/opportunity.
Do you have a minimum Fico score?
No. We are an asset-based lender. We do consider all pieces of information when deciding to lend, however.
What are the up front fees or costs?

Typically, yes, depending on the risk of the file. They will however, range from $0 to 2% depending on the risk profile of the lending request or if we have to have our legal team review the loan file prior to consummating a deal.

Do you charge interest on the full amount of the ARV loan?
No, we only charge interest on funds disbursed/funded.
Do you have a prepayment penalty?
No, never on our private money transactions. Long term rental financing do occasionally have them, depending on the terms of the file.
Do you fund the rehab costs?
Yes! Up to 100%.
What is 1-STOP LENDING’S Maximum LTV based on ARV?
On our bridge, cross-collateralized or cross-pledged loans, we can offer cash back at closing! Meaning we can fund 100% of your purchase, closing costs AND renovations, depending on the asset you are willing to leverage. Submit a request to have us determine what we can do for you.

CAPITAL PARTNERS

What is the rate of return you provide me on my capital?
We provide up to 10% return on capital provided, depending on the specific deal your money is deployed into.
How do I know my money is safe?
Your capital is secured by a deed of trust and attached to a real estate asset. Our legal partner generates our loan documents and will provide representation in the event a borrower does not perform. We utilize low leveraged assets to protect your capital in the event we have to foreclose on the property.
How do I receive my funds?
If your capital is set up on a monthly ACH return, you will receive either a direct deposit or paper check for the monthly interest you earned.
How much work do I have to do?
This is the best part. We do it all. From origination, deal finding, servicing and disbursement, we handle everything. You provide the capital, and we provide your mailbox money return.
Do you work with all capital providers/investors?

No. We select whom we work with. We value relationships. If the capital you provide is something that will cause you to lose sleep over, then this likely will not be a good fit. Our goal is that you truly have a 100% passive income stream. If you want to be involved regularly or have anxiety about your assets, we suggest alternative investment vehicles.

Do you invest your own capital?
Yes, that is how we got started! It is these opportunities that other investors seen our success in that caused our growth into what we are transitioning into now.
How do I track my investment?

We have a borrower portal that you can log into to see the current status. We send out monthly statements, 1099s and handle all servicing aspects of your funds.

How do I get started?
Fill out an intake form and we can schedule a call to see if it will be a good fit.