Lender profile
Lima One Capital
hard money · Greenville, SC · founded 2010
Verified Sep 17, 2026
Lima One Capital runs a 30-year DSCR rental program across 46 states, with a 1.00 minimum DSCR and loan sizes from $75,000 to $2,500,000 at up to 80% LTV / 92% LTC. The same platform covers BRRRR, new construction, and multi-family, so an investor can move from a rehab loan into the long-term rental hold without switching lenders. Lima One Capital is a hard money lender, founded in 2010, headquartered in Greenville, SC, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge. On the deal itself, Lima One Capital publishes loan sizes from $75,000 to $2,500,000 and leverage up to 80% LTV / 92% LTC.
Lima One Capital is confirmed by SEC filing as a subsidiary of MFA Financial, Inc. (NYSE: MFA). Named as a subsidiary — 'Lima One Capital, LLC' and 'Lima One Holdings, LLC' — in the registrant's Exhibit 21 list of subsidiaries. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
$75,000 – $2,500,000
Max LTV
80%
Max LTC
92%
Min DSCR
1.00
Rate range
7% – 12%
Points
1 – 3
States covered
46
Terms
6-24 months (hard money) / 30-year (rental)
Close time
10-21 days typical
Verification record
Reviewed Sep 25, 2026
✅ Corporate record confirmed — a subsidiary of MFA Financial, Inc. (NYSE: MFA). 10-K filed Feb 20, 2026 .
Named as a subsidiary — 'Lima One Capital, LLC' and 'Lima One Holdings, LLC' — in the registrant's Exhibit 21 list of subsidiaries.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Lima One Capital has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Lima One Capital about, not as a criticism. Of the 11 criteria categories this directory tracks, Lima One Capital has not published 3:
- Minimum credit score (22 of 38 lenders here publish it)
- Origination channel (17 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
Products
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- BRRRR — financing built for the buy-rehab-rent-refinance-repeat cycle — a short-term acquisition/rehab loan meant to be followed by a refinance into a long-term rental loan
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
- new-construction — financing for a ground-up build rather than a renovation of an existing structure
- multi-family — loans written against buildings with multiple rental units under one loan, not just single-family houses
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
Strengths
- 30-year DSCR rental exit in 46 states
- 1.00 minimum DSCR
- Up to 92% LTC for BRRRR rehab-to-rental deals
- Multi-family DSCR financing included
Who this lender suits
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
Deal scenarios Lima One Capital clears
Lima One Capital's published criteria clear 10 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Cash flow and DSCR (1)
Purpose and structure (5)
Rehab and construction (2)
Leverage and pricing (2)
How Lima One Capital compares
Lima One Capital vs Civic Financial Services
Turns mainly on DSCR floor (1.05 vs 1.00) and maximum loan size ($2,000,000 vs $2,500,000).
Lima One Capital vs Iron Bridge Lending
Turns mainly on maximum loan size ($3,000,000 vs $2,500,000).
Lima One Capital vs Kiavi
Turns mainly on DSCR floor (0.80 vs 1.00) and state coverage (49 vs 46 states).
Lima One Capital vs LendingOne
Turns mainly on DSCR floor (0.75 vs 1.00) and maximum loan size ($2,000,000 vs $2,500,000).
Lima One Capital vs New Silver
Turns mainly on DSCR floor (1.00 vs 0.75) and state coverage (46 vs 39 states).
Lima One Capital vs RCN Capital
Turns mainly on state coverage (46 vs 44 states) and maximum loan size ($2,500,000 vs $3,500,000).
Lima One Capital vs Renovo Financial
Turns mainly on maximum loan size ($2,500,000 vs $5,000,000).
Lima One Capital vs ROC Capital
Turns mainly on maximum loan size ($2,500,000 vs $5,000,000).
Ownership and status
Ownership & status
Lima One Capital is confirmed by SEC filing as a subsidiary of MFA Financial, Inc. (NYSE: MFA). Named as a subsidiary — 'Lima One Capital, LLC' and 'Lima One Holdings, LLC' — in the registrant's Exhibit 21 list of subsidiaries.