Lima One Capital for Pennsylvania 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.
Pennsylvania context
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow.
How Lima One Capital positions in Pennsylvania
For Pennsylvania specifically, Lima One Capital fits investors who match the hard money approach. The high cash flow profile of Pennsylvania aggregate makes it a target market for Lima One Capital.
City-level coverage in Pennsylvania
Lima One Capital provides DSCR coverage across Pennsylvania metros including Philadelphia, Pittsburgh, and Allentown. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Pennsylvania 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 |
| Pennsylvania property tax | 1.6% |
| Pennsylvania state income tax | 3.07% |
Lima One Capital strengths in Pennsylvania
- 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 Pennsylvania. Lima One Capital is based in Greenville, SC and operates nationally.
Philadelphia is the top investor market in Pennsylvania and falls within Lima One Capital national coverage. Philadelphia property tax follows the Pennsylvania state rate of 1.6 percent. Lima One Capital typically underwrites Philadelphia acquisitions at standard rate sheets.
Yes. Pittsburgh ranks among the larger Pennsylvania investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Pittsburgh matters for property selection.
Lima One Capital applies the same rate sheet across Pennsylvania metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Philadelphia, Pittsburgh, and Allentown 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.
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Pennsylvania.
Pennsylvania 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
Pennsylvania 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.