Lima One Capital for Georgia 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.
Georgia context
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws.
How Lima One Capital positions in Georgia
For Georgia specifically, Lima One Capital fits investors who match the hard money approach. The medium cash flow profile of Georgia aggregate makes it workable for Lima One Capital.
City-level coverage in Georgia
Lima One Capital provides DSCR coverage across Georgia metros including Atlanta, Savannah, and Augusta. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Georgia 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 |
| Georgia property tax | 1% |
| Georgia state income tax | 5.4% |
Lima One Capital strengths in Georgia
- 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 Georgia. Lima One Capital is based in Greenville, SC and operates nationally.
Atlanta is the top investor market in Georgia and falls within Lima One Capital national coverage. Atlanta property tax follows the Georgia state rate of 1 percent. Lima One Capital typically underwrites Atlanta acquisitions at standard rate sheets.
Yes. Savannah ranks among the larger Georgia investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Savannah matters for property selection.
Lima One Capital applies the same rate sheet across Georgia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Atlanta, Savannah, and Augusta 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.
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Georgia.
Georgia 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
For Georgia DSCR borrowers, Lima One Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Lima One Capital.