Lima One Capital
A broad nationwide DSCR platform with a current 1.0x minimum DSCR, 660 FICO minimum and up to 80% LTV on eligible purchase and rate-term refinance transactions.
Program snapshot
Primary source: Lima One rental program
Verified highlights
- 1.0x minimum DSCR on current rental program
- Up to 80% LTV on purchase and rate/term refinance
- Loans from $85k to $2.5M; 1–9 unit properties
How this loan is actually underwritten
Refinances use current leases and rental history; purchases and vacant properties use projected market rent.
Public materials reviewed do not specify a universal AMC/direct ordering policy or outside-transfer policy.
Lima One states that a higher fee can buy a lower rate and a lower fee can mean a higher rate. A standard fixed fee schedule was not publicly disclosed in the sources reviewed.
Seasoning can be waived when refinancing certain Lima One bridge, fix-and-flip or construction loans.
Lower or no prepayment penalty may require a higher fee and/or rate.
Lima One explicitly links DSCR and pricing/leverage.
Last verified: Aug. 23, 2026 · Sources: Rental loans · Rental details
Best fit
- Buy-and-hold investors
- Short-term rentals
- Cash-out refinance
- Nationwide investors
What to verify
- STR underwriting uses different criteria and may require stronger credit.
- Pricing, leverage and prepayment structure vary by scenario.