Lima One Capital is one of the most established private lenders for real estate investors, with a national footprint across fix-and-flip bridge loans, ground-up construction, and DSCR rental financing. For MLOs who work with investors, Lima One is a core relationship to have active. They price aggressively on high-volume investor clients and have a track record of closing complex deals quickly.
Fix-and-Flip Bridge Loan Parameters
- ✦Loan amounts: $75,000 to $5M+
- ✦LTC (loan to cost): up to 90% of purchase plus rehab on experienced investors
- ✦ARV (after repair value): typically up to 70% ARV; 75% ARV on select products for experienced borrowers
- ✦FICO minimum: 660; lower FICO available with additional collateral or equity
- ✦Term: 13 months standard; extensions available
DSCR Rental Loan Parameters
Lima One's rental DSCR product covers SFR, 2-4 units, condos, and small multifamily. Standard product runs LTV to 80% purchase and 75% cash-out, with FICO floors at 660. DSCR minimum is 0.75 on select LTV tiers. Loan amounts run up to $2M on the standard product with jumbo options available. They allow short-term rental income documentation with 12 months of history from Airbnb or VRBO.
Experience-Based Pricing
Lima One's pricing model rewards investor experience. Borrowers with 5+ completed transactions in the last 24 months access improved LTC, lower rates, and faster processing. Experience is documented via HUD-1 statements or closing disclosures from prior flips. First-time investors can still close with Lima One but at more conservative LTV and higher pricing. Track your investor clients' completed deals -- that history directly impacts their cost of capital.
Aria can pull Lima One's current fix-and-flip and DSCR parameters, compare pricing against competitors, and identify which product fits a specific investor's deal profile. Ask at vicariointel.com.
7-day free trial. No credit card required.
Ask Aria About Lima One Capital Programs →