Lima One Capital for Alabama investors
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.
Alabama context
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile.
How Lima One Capital positions in Alabama
The Alabama lender pool for DSCR includes Lima One Capital among the active platforms. Alabama top metros (Birmingham, Huntsville, Mobile) see meaningful Lima One Capital loan volume.
City-level coverage in Alabama
Lima One Capital provides DSCR coverage across Alabama metros including Birmingham, Huntsville, and Mobile. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Alabama metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge |
| Loan size | $75K - $2.5M |
| Rates | 7%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 6-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Alabama property tax | 0.4% |
| Alabama state income tax | 5% |
Lima One Capital strengths in Alabama
- 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
FAQ
Yes, operates nationally including Alabama. Lima One Capital is based in Greenville, SC and operates nationally.
Birmingham is the top investor market in Alabama and falls within Lima One Capital national coverage. Birmingham property tax follows the Alabama state rate of 0.4 percent. Lima One Capital typically underwrites Birmingham acquisitions at standard rate sheets.
Yes. Huntsville ranks among the larger Alabama investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Huntsville matters for property selection.
Lima One Capital applies the same rate sheet across Alabama metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Birmingham, Huntsville, and Mobile all qualify for the same Lima One Capital program.
Lima One Capital indicative DSCR rate range is 7 to 12 percent with 1 to 3 points.
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Alabama.
Alabama allows standard DSCR prepay structures; Lima One Capital typically uses 3-5 year step down.
Lima One Capital typical close: 10-21 days typical.
Bottom line
Alabama investors considering Lima One Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Lima One Capital.