Lima One Capital vs. Renovo Financial

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	Renovo Financial
Type	hard money	hard money
Headquarters	Greenville, SC	Chicago, IL
Founded	2010	2011
Geographic focus	National	National, Midwest concentration
Products	fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge	fix-and-flip, BRRRR, new-construction, bridge, rental, multi-family
Loan size range	$75,000–$2,500,000	$100,000–$5,000,000
Max LTV	80%	85%
Max LTC	92%	90%
Terms	6-24 months (hard money) / 30-year (rental)	6-24 months (hard money) / 30-year (rental)
Typical close time	10-21 days typical	7-14 days typical
Rate range	7%–12%	9.5%–12.5%
Points	1–3 pts	1–3 pts

Where they actually differ

Lima One Capital quotes a 10-21 days typical close; Renovo Financial quotes 7-14 days typical. On a competitive acquisition that gap can be the whole decision.

Leverage: Lima One Capital tops out at 80% LTV / 92% LTC, against 85% / 90% at Renovo Financial. 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.

Lima One Capital describes its footprint as "National"; Renovo Financial as "National, Midwest concentration." Neither figure is a state count, so confirm direct licensing before assuming either covers a specific property.

Pricing: Lima One Capital quotes 7%–12% and 1–3 points; Renovo Financial quotes 9.5%–12.5% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.

Questions

Which offers more leverage, Lima One Capital or Renovo Financial?

Lima One Capital tops out at 80% LTV / 92% LTC, against 85% / 90% at Renovo Financial. 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 publishes the lower rate range, Lima One Capital or Renovo Financial?

Lima One Capital quotes 7%–12%; Renovo Financial quotes 9.5%–12.5%. 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.

Which handles a larger loan, Lima One Capital or Renovo Financial?

Lima One Capital runs $75,000–$2,500,000; Renovo Financial runs $100,000–$5,000,000. That gap mostly matters at either end of the range.

Which closes faster, Lima One Capital or Renovo Financial?

Lima One Capital quotes a 10-21 days typical close; Renovo Financial quotes 7-14 days typical. On a competitive acquisition that gap can be the whole decision.

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

Renovo Financial

A BRRRR investor who wants one lender to carry a deal from acquisition and rehab through to the 30-year rental refinance, including multi-family properties

Lender profile

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