Lima One Capital for Wisconsin 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.
Wisconsin context
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful.
How Lima One Capital positions in Wisconsin
Within Wisconsin, Lima One Capital competes alongside other DSCR lenders. Lima One Capital strengths: broad product suite, long track record. The high aggregate DSCR economics of Wisconsin create demand for Lima One Capital programs in Milwaukee and Madison particularly.
City-level coverage in Wisconsin
Lima One Capital provides DSCR coverage across Wisconsin metros including Milwaukee, Madison, and Green Bay. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lima One Capital program terms apply uniformly across Wisconsin 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 |
| Wisconsin property tax | 2.1% |
| Wisconsin state income tax | 7.65% |
Lima One Capital strengths in Wisconsin
- 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 Wisconsin. Lima One Capital is based in Greenville, SC and operates nationally.
Milwaukee is the top investor market in Wisconsin and falls within Lima One Capital national coverage. Milwaukee property tax follows the Wisconsin state rate of 2.1 percent. Lima One Capital typically underwrites Milwaukee acquisitions at standard rate sheets.
Yes. Madison ranks among the larger Wisconsin investor metros and sees consistent DSCR loan volume from Lima One Capital. Submarket variation within Madison matters for property selection.
Lima One Capital applies the same rate sheet across Wisconsin metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Milwaukee, Madison, and Green Bay 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.
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful. Lima One Capital follows standard business-purpose loan structures.
Lima One Capital funds fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge in Wisconsin.
Wisconsin 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
Wisconsin 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.