Lima One Capital Overview
Lima One Capital is a nationwide real estate investment lender offering a full lifecycle of loan products — from fix-and-flip and bridge loans for acquisitions, to DSCR loans for long-term holds, to construction loans for ground-up builds. Based in Greenville, South Carolina, Lima One has positioned itself as the single-lender solution for investors who operate across multiple real estate strategies.
What makes Lima One unique is their breadth. Most investment lenders specialize in one or two products — Lima One offers them all. This means an investor can finance a fix-and-flip with Lima One, then roll into a DSCR loan with the same lender, and later finance a ground-up construction project without shopping for a new capital partner. This lifecycle approach builds relationship depth and can unlock better pricing over time.
Lima One serves individual investors, partnerships, and investment LLCs across all 50 states. They have funded billions in investment property loans and are known for competitive leverage, responsive service, and an experienced team that understands real estate investing at a granular level.
Loan Products Offered
- DSCR rental loans — 30-year financing for stabilized rental properties
- Fix-and-flip loans — short-term purchase and rehab financing with draw schedules
- Bridge loans — transitional financing for acquisitions, repositioning, or stabilization
- New construction loans — ground-up build financing with staged draws
- Multifamily bridge and DSCR — financing for 5+ unit apartment buildings
- Portfolio loans — finance multiple properties in a single closing
Rates and Terms
Lima One offers competitive rates across all product lines. DSCR loans start from the mid-6% range depending on credit, LTV, and property performance. Their DSCR products include 30-year fixed, 5/1 ARM, and interest-only options.
Fix-and-flip loans range from 9% to 12%, with up to 90% of purchase and 100% of rehab costs financed. Terms run 12-18 months. Bridge loans offer similar leverage with 12-24 month terms. Construction loans fund up to 80% of project costs with draw schedules aligned to construction milestones.
LTV maximums are generally 75-80% for DSCR products and 70-75% for construction loans. Lima One's competitive advantage is not necessarily the lowest rate on any single product — it is the ability to offer institutional-quality terms across every investment property loan type.
Requirements
- Minimum credit score: 660 for DSCR, 620-640 for fix-and-flip depending on experience
- Minimum DSCR: 1.0 for standard rental loans
- Down payment: 20-25% for DSCR, 10-20% for fix-and-flip (varies with experience)
- LTV: Up to 80% on DSCR purchases, up to 75% on construction
- Experience: Helpful but not required for DSCR; fix-and-flip and construction programs consider borrower track record
- Entity: LLC or business entity preferred for most products
Pros
- Full lifecycle lender — fix-and-flip, bridge, DSCR, construction, and multifamily all in one place
- Nationwide coverage across all 50 states
- Competitive leverage: up to 90% LTC on flips, 80% LTV on DSCR
- Portfolio loan options for investors scaling across multiple properties
- Experienced team with deep real estate investment knowledge
- Multifamily capability for investors moving beyond single-family
Cons
- Not the lowest rate on any single product — pays for breadth, not specialization
- Construction loans require demonstrated experience and detailed project plans
- Closing timelines can vary by product and complexity of the deal
- Higher minimums for multifamily products
Who Is Lima One Capital Best For?
Lima One is the ideal lender for active investors who operate across multiple strategies. If you flip houses, hold rentals, and occasionally build from the ground up, Lima One eliminates the need to maintain relationships with three or four different lenders. The convenience of a single lender relationship — with one team that knows your track record and financial situation — cannot be overstated.
Lima One is also an excellent choice for investors scaling their portfolios. Their portfolio loan options let you consolidate multiple properties into a single transaction, and their multifamily products provide a growth path as you move from single-family into apartment investing. If you see yourself as a career real estate investor, Lima One is a lender that can grow with you.
How to Apply
Lima One accepts applications through their website and through preferred broker partnerships. Start by selecting your loan product and filling out a preliminary application. A loan officer will reach out to discuss your scenario, pull preliminary numbers, and provide a rate sheet.
Documentation requirements vary by product. For DSCR loans, have property details, estimated or actual rental income, and entity documentation ready. For fix-and-flip and construction, prepare a detailed scope of work and budget. Lima One's team will guide you through their draw process and inspection requirements for rehab and construction projects.