These are underwriting minimums, not a pre-approval. See the full Lima One Capital profile or compare requirements across the full lender directory.
Lima One Capital qualification minimums
| Minimum DSCR | 1.00 |
|---|---|
| Maximum LTV | 80% |
| Maximum LTC | 92% |
| Minimum loan size | $75K |
| Maximum loan size | $2.5M |
| States covered | 46 |
What these minimums mean for a borrower
DSCR (debt service coverage ratio) compares the property's rent to its projected mortgage payment. A minimum DSCR of 1.00 means rent must cover 100% of the payment — the property must fully cover its own debt service.
Maximum LTV of 80% sets the ceiling on leverage: the loan can't exceed that share of the property's value, so the borrower's down payment (or equity, on a refinance) has to make up the rest.
What Lima One Capital doesn't publish
- Minimum credit score — not publicly published.
- Entity/LLC vesting requirement — not publicly published.
- Origination channel — not publicly published.
Lima One Capital Requirements FAQ
Lima One Capital does not publish a minimum credit score. Confirm current credit requirements directly.
Lima One Capital's published minimum DSCR is 1.00, meaning rent must cover the full projected mortgage payment.
Lima One Capital's published maximum LTV is 80%, with a maximum LTC of 92%.
Lima One Capital does not publish an LLC/entity-vesting requirement. Confirm directly before you set up your closing entity.
Lima One Capital is licensed in 46 states.
Lima One Capital does not publish its origination channel on the record used for this listing. Loan sizes run from $75K to $2.5M.
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.