Questions investors ask us.

United Lending LLC offers private real estate financing for investors. It was founded by twin brothers Eddie and Joseph Levy and headquartered at 2361 Nostrand Ave, Suite 513, Brooklyn, NY.

Nationwide, from our Brooklyn headquarters. Most of our loans are in New York, New Jersey and Florida, and we lend in many other states too; many have their own page under Where we lend. Choose your property's state on the loan request and we'll confirm whether we can lend there.

Call or text (718) 704-0499, email info@unitedlendingllc.com, or send a loan request online and a loan officer will call you.

Fix and flip loans, bridge loans, 30-year DSCR rental loans on 1–4 unit properties, ground-up construction loans, and loans on multifamily (5+ units), mixed-use and commercial property, all business-purpose loans on investment property. Construction and multifamily loans are quoted per deal.

We quote the rate for each loan. It depends on the property, the leverage, your credit and experience, and it comes in your written terms before you commit to anything.

On fix and flip loans, up to 95% of the purchase price and up to 100% of the rehab cost, on 12–18 months interest-only terms. Bridge loans go up to 95% loan-to-cost. DSCR loans go up to 85% of the price on a purchase and 80% of the value on a cash-out refinance; those are separate limits, not one combined offer: the highest leverage goes to stronger credit and rent coverage, and a lower score or ratio means lower leverage. These are maximums, not what every loan receives, and all are subject to appraisal and underwriting. Construction and multifamily loans are quoted per deal.

The published minimum is 620 on DSCR loans. On every program, credit affects leverage and pricing, and your loan officer quotes it for your deal.

No. Personal income verification isn't required on our DSCR loans: they're qualified on the property's rent measured against its monthly payment, so pay stubs, W-2s and tax returns stay out of it.

30-year loans on 1–4 unit rentals, with fixed and adjustable options, qualified on the rent, with a minimum DSCR of 0.75, loans from $75,000 and a choice of prepayment term from none up to five years. The loan can be in your name or an LLC's. Your loan officer will help you pick the options that suit how long you plan to hold.

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

12–18 months, interest only, with no prepayment penalty if you pay off sooner.

Fast. The appraisal, the title work and how quickly your documents come in set the actual date, so tell us your contract's closing date on the first call and your loan officer will say whether it's realistic.

Typically the purchase contract, your entity documents, photo ID and bank statements, plus a scope of work and budget for a flip, and the lease or expected rent for a rental. Your loan officer sends the exact list with your terms.

In draws as work is completed and checked. The draw process for your loan is spelled out in your terms.

Every loan is for business purposes, and many investors borrow through an LLC or corporation. Tell us on the form how the property will be owned and your loan officer will explain what's needed.

No. Our loans are for investment property that neither the borrower nor any relative occupies. That includes living in one unit of a duplex. For those, a residential mortgage lender is the right call.

Yes, you can send a request. The form asks how many deals you've done because experience can affect terms, and your loan officer will tell you what's available for your situation.

No. You choose a rough credit range; nothing is pulled when you send it.

Your contact details are saved on the first step, so a loan officer can call you and finish the rest by phone.

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