InvestorPropertyLenders
(888) 899-8691 Match my deal

Compare lenders

Lima One Capital vs. New Silver

A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.

Criteria
Lima One Capital Verified 17 Sep 2026
New Silver Verified 17 Sep 2026
Type hard money hard money
Headquarters Greenville, SC West Hartford, CT
Founded 2010 2018
Geographic focus National National
States licensed 46 states 39 states
Products fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge fix-and-flip, BRRRR, rental, bridge
Loan size range $75,000–$2,500,000 $100,000–$3,000,000
Max LTV 80% 85%
Max LTC 92% 90%
Min DSCR 1.00 0.75
Terms 6-24 months (hard money) / 30-year (rental) 12-24 months (hard money) / 30-year (rental)
Typical close time 10-21 days typical 5-14 days typical
Rate range 7%–12% 9.5%–11.75%
Points 1–3 pts 1–3 pts

Where they actually differ

New Silver sets its DSCR floor at 0.75; Lima One Capital wants 1.00. A property that clears the lower bar but not the higher one is exactly what this difference decides.

Lima One Capital also writes new-construction and multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.

Loan sizing runs $75,000–$2,500,000 at Lima One Capital and $100,000–$3,000,000 at New Silver — a gap that mostly matters at either end of the range.

Lima One Capital quotes a 10-21 days typical close; New Silver quotes 5-14 days typical. On a competitive acquisition that gap can be the whole decision.

Questions

Which has the lower DSCR floor, Lima One Capital or New Silver?
New Silver, at 0.75. Lima One Capital wants 1.00. A property that clears the lower bar but not the higher one is exactly what this difference decides.
Does one of these two write a loan product the other doesn't?
Lima One Capital also writes new-construction and multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.
Which offers more leverage, Lima One Capital or New Silver?
Lima One Capital tops out at 80% LTV / 92% LTC, against 85% / 90% at New Silver. More leverage means less cash to close and a thinner equity cushion — which side of that trade matters depends on how much cash the deal has to begin with.
Which is licensed in more states, Lima One Capital or New Silver?
Lima One Capital is licensed in 46 states; New Silver in 39. Confirm the property's state is actually covered before comparing anything else.
Which publishes the lower rate range, Lima One Capital or New Silver?
Lima One Capital quotes 7%–12%; New Silver quotes 9.5%–11.75%. Where a specific file lands inside either range depends on leverage, credit and property type, so the published floor of one range beating the other's isn't the same as a guaranteed better price.

Lima One Capital

A BRRRR or multi-family investor who wants the rehab-to-rental refinance and the long-term DSCR loan from a single lender, qualifying at a 1.00 DSCR across 46 states

Lender profile Requirements

New Silver

A newer investor who wants fast, tech-driven underwriting and can qualify at a 0.75 DSCR and 660 credit score across New Silver's 39-state footprint

Lender profile Requirements

← All comparisons