Lima One Capital for Arkansas 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.
Arkansas context
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics.
How Lima One Capital positions in Arkansas
Arkansas is well covered by national DSCR lenders, with Lima One Capital as one option. Where Lima One Capital differentiates: broad product suite. Where it competes: rates 7 to 12 percent against peer programs.
City-level coverage in Arkansas
Lima One Capital provides DSCR coverage across Arkansas metros including Little Rock, Fayetteville, and Fort Smith. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Arkansas 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 |
| Arkansas property tax | 0.6% |
| Arkansas state income tax | 4.4% |
Lima One Capital strengths in Arkansas
- 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 Arkansas. Lima One Capital is based in Greenville, SC and operates nationally.
Little Rock is the top investor market in Arkansas and falls within Lima One Capital national coverage. Little Rock property tax follows the Arkansas state rate of 0.6 percent. Lima One Capital typically underwrites Little Rock acquisitions at standard rate sheets.
Yes. Fayetteville ranks among the larger Arkansas investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Fayetteville matters for property selection.
Lima One Capital applies the same rate sheet across Arkansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Little Rock, Fayetteville, and Fort Smith 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.
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Arkansas.
Arkansas 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
Arkansas 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.