Lima One Capital

Company Overview

Lima One Capital, headquartered in Greenville, South Carolina, is a national direct lender focused exclusively on residential real estate investors. The company has funded billions in investment property loans and serves borrowers in nearly every state.

What sets Lima One apart is their comprehensive product lineup. While many investment property lenders specialize in one or two loan types, Lima One offers everything from short-term fix-and-flip financing to long-term DSCR rental loans to ground-up construction lending. This makes them particularly valuable for investors who want a single lending relationship across multiple project types.

Loan Products

DSCR Rental Loans: Long-term financing for stabilized rental properties. 30-year terms available, interest-only options, and no tax returns or personal income documentation required. Minimum DSCR of 1.0x.

Fix & Flip: Up to 90% of purchase and 100% of renovation costs. Terms up to 13 months. Draws processed within 2-3 business days for renovation funding.

Bridge Loans: Short-term financing for acquisitions, refinances, or portfolio restructuring. 12-24 month terms with interest-only payments.

Ground-Up Construction: New construction financing with up to 80% LTC. Available for 1-4 unit residential properties.

Who Is Lima One Best For?

Lima One is an excellent fit for investors who want a long-term lending relationship. Their dedicated account manager model means you work with the same person across multiple deals, which speeds up the process significantly for repeat borrowers. They’re also one of the few national lenders offering ground-up construction loans, making them valuable for investors who build as well as buy.