theLender — STR, DSCR, and Conventional Loans in 48 states including California, Florida, and Texas

About theLender

NMLS #133519. theLender provides unique short term rental loan products and a skilled team of professionals who provide results you can trust.

Key facts

Who

theLender, lender specializing in STR, DSCR, and Conventional loan programs for Airbnb investors.

Loan types

STR • DSCR • Conventional

Loan purposes

Purchase • Rate & Term Refinance

Licensed states

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), District of Columbia (DC), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI), and Wyoming (WY)

Proof

4.8★ (5 recommendations)

Languages

English

Contact

Contact on Rabbu

Source

Profile

1. I want to recognize Alan Vidal for his outstanding professionalism, persistence, and commitment to building relationships.

   Alan began working with our account about six months ago, and from day one, he has been respectful, diligent, and consistent in his follow-up. We attempted several transactions together, but pricing, program requirements, or lender overlays prevented them from working. Alan never stopped communicating or investing in the relationship. Then came the Kreamier transaction. We had previously tried placing this loan with two other lenders, and neither could get it done. Alan stepped up and delivered. We funded! I call that a "hero deal"—the kind of transaction that earns trust and generates future business. Because of Alan's efforts, I'm sending him another three or four opportunities over the next two weeks. Alan is an outstanding asset to your organization. His integrity, professionalism, and follow-through are exactly what I value in a lending partner. I'm grateful for his efforts and look forward to building a long-term relationship! - Coach Buckets

2. The AE from The Lender is Darren Pham , he was exceptional on all aspects of the closing process.

   He did a great job in communication, knowledge, and working internally to accelerate the process. The system in place to reach a final decision was not consistent. I would consider using The Lender in the future.

3. I’ve worked with theLender for years and have had great success brokering to them.

   Kyle, Diego and Jason are a great team I work with and always are treating my loans with VIP service. Also, Lusine, Beto, Gerardo, and Jessica Robles continuously come through in the end after clear to close in their closing department to get my files signed and funded, even under tight timelines. They are always responsive and show genuine care for my loans, and my clients timelines. Thankful for a great partnership with theLender. You should send your loans to theLender if you’re a broker!

4. This was my first time working with this lender, and I wasn't sure what to expect since some new lender relationships can be challenging at the start.

   Fortunately, that was not the case here. The underwriting turnaround times were excellent, and questions were answered promptly and thoroughly throughout the process. A special thank you to Beth Kearney, who made this a great experience from the beginning with her knowledge, guidance, and support from start to finish. Carmine Poliandro was highly efficient in moving the loans through the process and getting them to closing. I would also like to thank Katherine Tirona and the entire closing department for their professionalism and dedication. Overall, this was a smooth and positive experience, and I look forward to working with this team again in the future.

5. theLender checked every box!

   As our first loan together, they completely exceeded my expectations. The process was incredibly smooth, and the entire team was extremely knowledgeable, professional, and went above and beyond including fast turnaround time and clear communication. They've earned my trust 100%. Most importantly, I had the pleasure of working with an amazing top-tier Account Executive Jason Clark who was a game-changer. He is truly an expert in his field, incredibly responsive always answers every call and question promptly. It was great working with him. I look forward to building more business together!

FAQs

• What types of loans does theLender offer?

  theLender offers financing options tailored for real estate investors, including STR, DSCR, and Conventional loan programs. These loans are designed to help investors purchase or rate & term refinance income-producing properties such as Airbnbs and vacation rentals.

• What can I use these loans for?

  You can work with theLender to finance a property purchase or rate & term refinance. Each option is built to support short-term rental or investment property strategies.

• Where does theLender operate?

  theLender is licensed to provide loan products in 48 states including California, Florida, and Texas.

• Why work with a Rabbu lender?

  Rabbu lenders specialize in financing short-term rental and vacation rental properties. They understand STR income, DSCR qualification, and how to underwrite loans based on Airbnb performance data — making the process faster and more investor-friendly.

• How can I contact theLender?

  You can reach out directly through their Rabbu profile to discuss your financing goals. Simply fill out the contact form to get matched with a loan expert for your next STR investment.