Overview
Lima One Capital (based in Greenville, SC, hard money) and Renovo Financial (based in Chicago, IL, hard money) are both non-QM lenders serving real estate investors. Lima One Capital serves National; Renovo Financial serves Chicago / national.
Lima One Capital's figures were checked against its published materials as of 2026-09-17; the other lender's figures below are not independently dated and should be confirmed directly. Rates and terms change and are not a quote for either lender.
Lima One Capital vs Renovo Financial: attribute by attribute
| Attribute | Lima One Capital | Renovo Financial |
|---|---|---|
| Interest rate range | 7%–12% | 9.5%–12.5% |
| Origination points | 1–3 points | 1–3 points |
| Minimum DSCR | 1.00 | Not publicly published |
| Max LTV | 80% | 85% |
| Max LTC | 92% | 90% |
| Minimum loan size | $75K | $100K |
| Maximum loan size | $2.5M | $5.0M |
| States covered | 46 states | Not publicly published |
| Typical close time | 10-21 days typical | 7-14 days typical |
| Founded | 2010 | 2011 |
| Headquarters | Greenville, SC | Chicago, IL |
Which one fits which borrower
- Lima One Capital publishes a minimum DSCR of 1.00; Renovo Financial does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- Renovo Financial's max LTV is 85% against Lima One Capital's 80% — on the same purchase price, Renovo Financial's published leverage lets a borrower put down less cash.
- Lima One Capital's max LTC is 92% against Renovo Financial's 90% — for a rehab-heavy deal, Lima One Capital's published figure covers a larger share of total project cost.
- Lima One Capital's minimum loan size is $75K, below Renovo Financial's $100K floor — Lima One Capital is the fit for a smaller deal that would fall under Renovo Financial's minimum.
- Renovo Financial's maximum loan size is $5.0M, above Lima One Capital's $2.5M ceiling — a larger transaction may need to go to Renovo Financial.
- Lima One Capital publishes coverage in 46 states; Renovo Financial does not publish a state count. That does not mean Renovo Financial covers fewer states, only that the figure is not published.
- Lima One Capital was founded in 2010, 1 year before Renovo Financial (founded 2011) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- Lima One Capital full profile and review
- Renovo Financial full profile and review
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Lima One Capital vs Renovo Financial FAQ
Lima One Capital's published rate range is 7%–12%. Renovo Financial's published rate range is 9.5%–12.5%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
Lima One Capital's minimum DSCR is 1.00. Renovo Financial does not publish a minimum DSCR.
Lima One Capital's loan size runs $75K to $2.5M. Renovo Financial's loan size runs $100K to $5.0M.
Lima One Capital's typical close time is 10-21 days typical. Renovo Financial's typical close time is 7-14 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Lima One Capital's max LTV is 80% and max LTC is 92%. Renovo Financial's max LTV is 85% and max LTC is 90%.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Lima One Capital or Renovo Financial, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.