This is not a rate quote. Rates change frequently and depend on credit, leverage, coverage ratio, property type and borrower experience — see the full Lima One Capital profile or compare terms across the full lender directory.
Lima One Capital rate and pricing terms
| Interest rate range | 7%–12% |
|---|---|
| Origination points | 1 – 3 |
| Max LTV | 80% |
| Max LTC | 92% |
| Minimum loan size | $75K |
| Maximum loan size | $2.5M |
| Typical close time | 10-21 days typical |
What moves your rate with Lima One Capital
Lima One Capital lists a minimum DSCR of 1.00. Coverage ratio is one of the inputs non-QM lenders use to grid rate — a property with DSCR comfortably above that floor typically prices better than one right at it.
Lima One Capital highlights the following as differentiators: broad product suite; long track record; strong on multi-family; BRRRR-friendly with rental refi exit.
What this rate range doesn't tell you
A quoted rate is never the whole cost. Lima One Capital's 1–3 points are paid at closing on top of the interest rate, and the exact point charged within that range depends on the specific deal. DSCR and hard-money pricing is also tiered rather than flat — lenders in this category generally price better as leverage drops and coverage ratio rises, and worse as either moves the other way. None of that tiering detail is published by Lima One Capital, so treat the range above as a starting point for a conversation, not a final number.
Lima One Capital Rates FAQ
Lima One Capital's indicative rate range is 7%–12%. These figures were last confirmed against Lima One Capital's published materials on 2026-09-17.
Yes. Lima One Capital's published origination points range is 1–3 points, in addition to the interest rate.
Lima One Capital's published maximum LTV is 80%. Lower leverage generally prices better than the maximum.
Its published minimum DSCR is 1.00.
Lima One Capital's typical close timeline is 10-21 days typical. Close speed and rate are separate terms — a faster timeline is not itself a discount unless the lender states one.
No. Lima One Capital's rate range is indicative and changes with market conditions, credit, leverage, coverage ratio and borrower experience. Request a written quote directly from Lima One Capital before relying on any figure here.
This review is an independent directory listing. DSCR Loan Program is not affiliated with Lima One Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.