Lima One Capital for Oregon 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.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Lima One Capital positions in Oregon
Oregon 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 Oregon
Lima One Capital provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Oregon 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 |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
Lima One Capital strengths in Oregon
- 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 Oregon. Lima One Capital is based in Greenville, SC and operates nationally.
Portland is the top investor market in Oregon and falls within Lima One Capital national coverage. Portland property tax follows the Oregon state rate of 1 percent. Lima One Capital typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Eugene matters for property selection.
Lima One Capital applies the same rate sheet across Oregon metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Eugene, and Salem 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.
Oregon SB 608 statewide rent control. DSCR economics challenged. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Oregon.
Oregon 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
Lima One Capital in Oregon works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Lima One Capital.