Overview
Lima One Capital is one of the deepest non-QM lenders in the country with a full product suite spanning fix-and-flip, BRRRR, rental, and new construction. Minimum DSCR is 1.00 (1.20 for best pricing). Particularly strong on the rental refi exit, which makes them a one-stop shop for BRRRR strategies.
Lima One Capital is based in Greenville, SC and was founded in 2010. They operate nationally and offer fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge financing. Their loan amount range runs from $75K to $2.5M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge |
| Geographic coverage | National |
| Loan size | $75K – $2.5M |
| Interest rate range | 7% – 12% |
| Origination points | 1 – 3 |
| Minimum DSCR | 1.00 |
| Max LTV | 80% of ARV |
| Max LTC | 92% of cost |
| Term lengths | 6-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
Strengths
- broad product suite
- long track record
- strong on multi-family
- BRRRR-friendly with rental refi exit
Ideal borrower
Investor wanting a single lender across hard money + DSCR rental exit
How Lima One Capital compares
As an institutional non-QM lender, Lima One Capital's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Lima One Capital serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Lima One Capital cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Lima One Capital FAQ
Lima One Capital is based in Greenville, SC and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Lima One Capital's indicative rate range is 7%–12% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Lima One Capital's typical minimum loan is $75K, with maximum loan size up to $2.5M.
Lima One Capital's typical close timeline is 10-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Lima One Capital offers fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor wanting a single lender across hard money + DSCR rental exit
This review is an independent directory listing. DSCR Loan Program is not affiliated with Lima One Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.