{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Retire on Rentals","title":"Building Your Empire with Lending One - Josh Heintz ","html":"","width":"100%","height":180,"duration":4161,"description":"Retire on Rentals Podcast: Building Your Empire with LendingOne - Featuring Josh HeintzEpisode Overview:\nIn this episode of Retire on Rentals, host Nicholas Cook welcomes Josh Heintz, Vice President at LendingOne, to discuss how real estate investors can leverage specialized lending products to grow their portfolios. Josh shares insights on why LendingOne stands out as an investor-friendly lender, the types of loan products they offer, and how they support investors at every stage of their journey. From first-time landlords to institutional investors, this episode is packed with actionable advice for optimizing real estate investments and achieving passive income goals.\nKey Topics Discussed:Introduction to Lending One (00:00 - 05:00)Josh Heintz introduces his role as VP at Lending One and his 1.5-year tenure with the company.Overview of Lending One’s mission to provide speed, ease, and investor-focused financing solutions.Why building a relationship with a lender early is crucial for real estate success.Why Choose LendingOne? (05:00 - 15:00)Differences between LendingOne, traditional banks, credit unions, and hard money lenders.LendingOne’s niche as a private lender offering flexibility for investors at all levels—mom-and-pop to institutional.Emphasis on speed (similar to hard money) with competitive rates closer to traditional banks.Business-purpose-only lending: Loans are made to entities (LLCs, trusts, etc.), not individuals.LendingOne’s Reach and Capital Strength (15:00 - 22:00)LendingOne operates in 47 states, excluding North Dakota, South Dakota, and Alaska, with a focus on primary, secondary, and tertiary markets.Challenges with lending in extremely rural areas due to limited data.Assurance of capital availability through large warehouse lines of credit from major financial institutions, unlike hard money lenders who may run out of funds.Underwriting and Investor Requirements (22:00 - 30:00)Asset-based lending: Focus on the property’s performance (e.g.,...","thumbnail_url":"https://img.transistorcdn.com/kZ_y-p-mMg6o7pg5hZW9Nn6L_xSjue44Fh3T6gh4CwM/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wYWE5/NWU3M2IxNWVkYzUw/ZWFmMzVhMmIyOTQ1/YjczYi5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}