Lima One Capital: published loan terms
Lima One Capital publishes terms for fix and flip, bridge, ground-up construction, DSCR rental and rental portfolio loans. Its fix-and-flip rates start at 7.75% and its DSCR rental rates at 6.5%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | Rates as low as 7.75% |
|---|---|
| Loan to purchase / cost | Up to 95% LTC ('If your rehab budget is less than 50% of the purchase price, we offer up to 95% Loan-To-Cost') |
| Rehab funded | 100% of rehab budget with available 24-hour draws |
| Cap on after-repair value | 75% LTARV ('Up to 95% LTC, 75% LTARV') |
| Points | Not published |
| Term | 13, 19 & 24-month term options; interest only |
| Minimum credit score | 660 |
| Experience | 'We also require one exit of an investment property in the last 36 months. This exit can be a previous flip, or the sale or refinance of an investment property the investor was on title for.' |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at Lima One Capital's advertised starting rate of 7.75% would be about $8,389, against $11,366 at the example's 10.5%. Lima One Capital doesn't publish its points, so they aren't compared here. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | Rates as low as 6.5% |
|---|---|
| Purchase / rate-and-term LTV | Up to 80% LTV on purchase and rate/term refi |
| Cash-out LTV | up to 75% on cash out |
| Minimum DSCR | 'Depending on the borrower's experience and the property's attractiveness, the minimum DSCR is 1.0.' (rental detail page); STR: 1.3+ DSCR |
| Minimum credit score | SFR rental: not stated. Short-term rental: 'Minimum FICO 700' on /rental/detail/ but 'Minimum FICO 660' beside the STR terms on /rental/ (conflict on Lima One's own pages) |
| Loan size | $85k (/rental/) vs $100K to $2.5M |
| Terms | 30-Year Fixed; 5/1 ARM or 10/1 ARM; 5-Year Interest-Only; 'Fixed-rate, ARMs, fully amortizing, or interest-only' |
Where Lima One Capital lends
'Loans Funded Across 46 States' (homepage); 'offer loans across 46 states' (fix-and-flip detail page). No list of the 46 states found on the pages read.
Loan size
$100K (fix and flip) to $5M (fix and flip), as published.
Other details from its website
Disclosures page: programs 'extended for business and investment purposes only'; 'Loans are made only to business entities'; advertised rates are 'a starting point, best-case, or illustrative figure only' and 'Valid only as of the date such rate or term was published or quoted'. Fix and flip: interest only charged on drawn rehab funds; minimum as-is value or purchase price $100,000; SFR, 2-4 units, warrantable condos; Fix2Rent refi gets discounted (homepage: '50% Off') origination fee. Rental: 'Prepayment Penalty Flexibility' (pay higher fee/rate for low or no prepay); $125,000 minimum value per property (/rental/) vs $100,000 (/rental/detail/); 'no personal income or investment experience requirements for Single Family Rental loans'.
Licensing disclosure
NMLS #1324403. Licensing page lists e.g. Arizona Mortgage Banker License 949706; California DFPI Financing Law License 60DBO-45834; Florida Mortgage Lender Servicer License MLD1662; Idaho Mortgage Broker/Lender MBL-2081324403; Minnesota Residential Mortgage Originator MN-MO-1324403; Nevada Mortgage Company License 5304; Oregon Mortgage Lending License ML-5397; Utah Mortgage Entity License 11755492 (plus collection agency licenses).
Source
Read on 2026-10-24 from limaone.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with Lima One Capital, and Lima One Capital did not review this page.
A question about your deal?
Send the property and numbers. A person reads it and replies by email; we don't pass it to lenders.