Lima One Capital for North Carolina 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.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How Lima One Capital positions in North Carolina
The North Carolina lender pool for DSCR includes Lima One Capital among the active platforms. North Carolina top metros (Charlotte, Raleigh, Greensboro) see meaningful Lima One Capital loan volume.
City-level coverage in North Carolina
Lima One Capital provides DSCR coverage across North Carolina metros including Charlotte, Raleigh, and Greensboro. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across North Carolina 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 |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
Lima One Capital strengths in North Carolina
- 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 North Carolina. Lima One Capital is based in Greenville, SC and operates nationally.
Charlotte is the top investor market in North Carolina and falls within Lima One Capital national coverage. Charlotte property tax follows the North Carolina state rate of 0.8 percent. Lima One Capital typically underwrites Charlotte acquisitions at standard rate sheets.
Yes. Raleigh ranks among the larger North Carolina investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Raleigh matters for property selection.
Lima One Capital applies the same rate sheet across North Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charlotte, Raleigh, and Greensboro 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.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in North Carolina.
North Carolina 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 North Carolina 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.