Lima One Capital DSCR Loan Review 2026

Lima One Capital, headquartered in Greenville, SC, has been a fixture in the private lending space since 2010. They offer DSCR loans alongside fix-and-flip and ground-up construction financing, and they're known for strong customer service and competitive terms for experienced investors.

Lima One DSCR Overview

Key Terms

Pros

1. Competitive Rates

Starting at 7.0% puts Lima One among the best-priced DSCR lenders. For borrowers with 740+ credit and 1.25+ DSCR, rates can be very attractive.

2. Small Multifamily (5–8 Units)

Unlike most DSCR lenders that cap at 4 units, Lima One finances 5–8 unit properties under their DSCR program. This opens up small apartment buildings that most competitors can't touch with residential DSCR products.

3. Full Product Suite

Lima One offers fix-and-flip, new construction, and DSCR under one roof. Investors using BRRRR can do the renovation loan and the DSCR refinance with the same lender — streamlining the relationship.

4. Customer Service

Lima One is consistently praised for responsive loan officers and clear communication throughout the process. For investors who value a human touch over pure technology, this matters.

5. Experience-Based Pricing

Experienced investors (5+ deals) get better rates. This rewards loyalty and repeat business, making Lima One increasingly attractive as your portfolio grows.

Cons

1. Slower Closing

21–35 days is broader than some competitors. In competitive markets where sellers want 21-day closes, Lima One's timeline may not work.

2. Higher Points

1.0–2.0 points is standard for the industry but higher than Kiavi's 0.5 starting point. On a $250,000 loan, that's $2,500–$5,000 vs. $1,250.

3. Experience Preference

While Lima One doesn't require experience, their best pricing is reserved for investors with 5+ completed deals. First-time investors may get less competitive terms.

4. Limited Technology

Lima One's platform is functional but not as polished as Kiavi's. More phone calls and emails, less self-service portal functionality.

Who Lima One Is Best For

• Experienced investors (5+ deals) seeking the best rates
• Small multifamily buyers (5–8 units) who need DSCR financing
• BRRRR investors who want construction + DSCR under one lender
• Relationship-focused investors who value personal service

How Lima One Compares

Frequently Asked Questions

Does Lima One lend nationwide?

Nearly — they cover most U.S. states but have restrictions in a few. Verify your target state before applying.

Can I refinance my fix-and-flip loan into a Lima One DSCR loan?

Yes, and this is one of their strengths. The internal refinance from construction to DSCR is streamlined since they already have your borrower file and property documentation.

Does Lima One offer blanket loans?

They offer portfolio consolidation options for qualified borrowers with multiple properties. Discuss with your loan officer.

What's the minimum loan amount?

$75,000 — lower than some competitors who start at $100,000. This opens up more affordable markets.

The Bottom Line

Lima One Capital is a top-tier DSCR lender for experienced investors, especially those buying 5–8 unit small multifamily or running BRRRR strategies. Their rates are competitive, the customer service is strong, and the full product suite makes them a natural one-stop-shop for active investors. First-time investors may find better terms elsewhere, but as your portfolio grows, Lima One becomes increasingly attractive.

Compare DSCR lender options at HonestCasa.