Lima One Capital for Mississippi 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.
Mississippi context
Mississippi deep cash flow market. Gulf Coast STR active.
How Lima One Capital positions in Mississippi
The Mississippi lender pool for DSCR includes Lima One Capital among the active platforms. Mississippi top metros (Jackson, Gulfport, Hattiesburg) see meaningful Lima One Capital loan volume.
City-level coverage in Mississippi
Lima One Capital provides DSCR coverage across Mississippi metros including Jackson, Gulfport, and Hattiesburg. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Mississippi 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 |
| Mississippi property tax | 0.8% |
| Mississippi state income tax | 4.7% |
Lima One Capital strengths in Mississippi
- 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 Mississippi. Lima One Capital is based in Greenville, SC and operates nationally.
Jackson is the top investor market in Mississippi and falls within Lima One Capital national coverage. Jackson property tax follows the Mississippi state rate of 0.8 percent. Lima One Capital typically underwrites Jackson acquisitions at standard rate sheets.
Yes. Gulfport ranks among the larger Mississippi investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Gulfport matters for property selection.
Lima One Capital applies the same rate sheet across Mississippi metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Jackson, Gulfport, and Hattiesburg 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.
Mississippi deep cash flow market. Gulf Coast 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 Mississippi.
Mississippi 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
Mississippi 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.