Overview
Lima One Capital is one of the deepest non-QM lenders in the country with a full product suite spanning fix-and-flip, BRRRR, rental, and new construction. Particularly strong on the rental refi exit, which makes them a one-stop shop for BRRRR strategies.
Lima One Capital is based in Greenville, SC and was founded in 2010. They operate nationally and offer fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge financing. Their loan amount range runs from $50K to $5.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge |
| Geographic coverage | National |
| Loan size | $50K – $5.0M |
| Interest rate range | 9% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 80% of ARV |
| Max LTC | 92% of cost |
| Term lengths | 6-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
Strengths
- broad product suite
- long track record
- strong on multi-family
- BRRRR-friendly with rental refi exit
Ideal borrower
Investor wanting a single lender across hard money + DSCR rental exit
How Lima One Capital compares for Chicago investors
For Chicago metro investors specifically, Lima One Capital operates as one of multiple national options — competitive on broad product menus but local Chicago lenders sometimes win on relationship and close speed. As an institutional non-QM lender, their underwriting is templated and predictable — fast for experienced borrowers, less flexible for non-standard deals.
Common alternatives in Chicago
- Renovo Financial — Chicago-based, deepest local knowledge
- Kiavi — Tech-forward national leader
- Lima One Capital — Broad product suite, BRRRR-friendly
- Easy Street Capital — STR-DSCR specialist
Lima One Capital FAQ
Yes — Lima One Capital operates nationally and regularly funds Chicago-area deals
Lima One Capital's indicative rate range is 9%–12% with 1–3 points. Pricing depends primarily on funded-deals history, deal leverage, and exit certainty.
Lima One Capital's typical minimum loan is $50K, with maximum loan size up to $5.0M.
Lima One Capital's typical close timeline is 10-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Lima One Capital offers fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor wanting a single lender across hard money + DSCR rental exit
This review is an independent directory listing. Hard Money Chicago is not affiliated with Lima One Capital. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.