Lima One Capital for Idaho 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.
Idaho context
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active.
How Lima One Capital positions in Idaho
The Idaho lender pool for DSCR includes Lima One Capital among the active platforms. Idaho top metros (Boise, Idaho Falls, Coeur d'Alene) see meaningful Lima One Capital loan volume.
City-level coverage in Idaho
Lima One Capital provides DSCR coverage across Idaho metros including Boise, Idaho Falls, and Coeur d'Alene. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Idaho 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 |
| Idaho property tax | 0.7% |
| Idaho state income tax | 5.8% |
Lima One Capital strengths in Idaho
- 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 Idaho. Lima One Capital is based in Greenville, SC and operates nationally.
Boise is the top investor market in Idaho and falls within Lima One Capital national coverage. Boise property tax follows the Idaho state rate of 0.7 percent. Lima One Capital typically underwrites Boise acquisitions at standard rate sheets.
Yes. Idaho Falls ranks among the larger Idaho investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Idaho Falls matters for property selection.
Lima One Capital applies the same rate sheet across Idaho metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boise, Idaho Falls, and Coeur d'Alene 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.
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Idaho.
Idaho 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 Idaho 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.