Lima One Capital for New Hampshire 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.
New Hampshire context
New Hampshire no state income tax. Property tax high. Boston commuter market.
How Lima One Capital positions in New Hampshire
New Hampshire 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 New Hampshire
Lima One Capital provides DSCR coverage across New Hampshire metros including Manchester, Nashua, and Concord. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across New Hampshire 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 |
| New Hampshire property tax | 1.9% |
| New Hampshire state income tax | None |
Lima One Capital strengths in New Hampshire
- 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 New Hampshire. Lima One Capital is based in Greenville, SC and operates nationally.
Manchester is the top investor market in New Hampshire and falls within Lima One Capital national coverage. Manchester property tax follows the New Hampshire state rate of 1.9 percent. Lima One Capital typically underwrites Manchester acquisitions at standard rate sheets.
Yes. Nashua ranks among the larger New Hampshire investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Nashua matters for property selection.
Lima One Capital applies the same rate sheet across New Hampshire metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Manchester, Nashua, and Concord 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.
New Hampshire no state income tax. Property tax high. Boston commuter market. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in New Hampshire.
New Hampshire 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
New Hampshire 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.