Lima One Capital for Texas 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.
Texas context
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast.
How Lima One Capital positions in Texas
The Texas lender pool for DSCR includes Lima One Capital among the active platforms. Texas top metros (Houston, Dallas-Fort Worth, Austin) see meaningful Lima One Capital loan volume.
City-level coverage in Texas
Lima One Capital provides DSCR coverage across Texas metros including Houston, Dallas-Fort Worth, and Austin. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Texas 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 |
| Texas property tax | 1.9% |
| Texas state income tax | None |
Lima One Capital strengths in Texas
- 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 Texas. Lima One Capital is based in Greenville, SC and operates nationally.
Houston is the top investor market in Texas and falls within Lima One Capital national coverage. Houston property tax follows the Texas state rate of 1.9 percent. Lima One Capital typically underwrites Houston acquisitions at standard rate sheets.
Yes. Dallas-Fort Worth ranks among the larger Texas investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Dallas-Fort Worth matters for property selection.
Lima One Capital applies the same rate sheet across Texas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Houston, Dallas-Fort Worth, and Austin 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.
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Texas.
Texas 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 Texas 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.