Lima One Capital for Louisiana 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.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How Lima One Capital positions in Louisiana
Within Louisiana, Lima One Capital competes alongside other DSCR lenders. Lima One Capital strengths: broad product suite, long track record. The high aggregate DSCR economics of Louisiana create demand for Lima One Capital programs in New Orleans and Baton Rouge particularly.
City-level coverage in Louisiana
Lima One Capital provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Louisiana 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 |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
Lima One Capital strengths in Louisiana
- 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 Louisiana. Lima One Capital is based in Greenville, SC and operates nationally.
New Orleans is the top investor market in Louisiana and falls within Lima One Capital national coverage. New Orleans property tax follows the Louisiana state rate of 0.6 percent. Lima One Capital typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Baton Rouge matters for property selection.
Lima One Capital applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport 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.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Louisiana.
Louisiana 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
Louisiana 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.