Lima One Capital LLC
Smart Investments Start With Great Partnerships
- Nicolai Lipscomb
Senior Loan Officer
Long Term Rental Loan | |
| Property Types | 2-4 Units, Condo, Multi Family, SFR |
| Lendding Area | NATIONWIDE |
| Loan amount Minimum | $85,000 |
| Loan amount Maximum | $3,000,000 |
| Interest Rate Minimum | 5.5% |
| Terms | 30 year |
| Typical Days Required to Fund | 20-30 Business days |
| Credit Score Min | 660 |
| Interest Only or Amortized | Amortized and Interest Only Options available |
| Fees | Processing Fee |
| Entities | Foreign National, LLC - Limited Liability Corporation, Partnership, Taking Title Personally not permitted, Corp - Corporation, LP - Limited Partnership |
| Cross Collateralize Blanket | No |
| Lien Position | 1st |
| Prepayment Penalty | 5,4,3,2,1, 5,5,5, 3,2,1, No Prepayment Penalty |
| Intended Occupancy | Tenant, Vacant |
| Recourse | Recourse and Non Recourse available |
| Reserve Requirement | 3 months |
Bridge Loan | |
| Property Types | 2-4 Units, Condo, Multi Family, SFR |
| Lendding Area | alabama, arizona, arkansas, california, colorado, connecticut, delaware, florida, georgia, hawaii, idaho, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, michigan, minnesota, mississippi, missouri, montana, nebraska, nevada, new-hampshire, new-jersey, new-mexico, new-york, north-carolina, north-dakota, ohio, oklahoma, oregon, pennsylvania, rhode-island, south-carolina, tennessee, texas, utah, virginia, washington, west-virginia, wisconsin, wyoming |
| Loan amount Minimum | $5,000,000 |
| Loan amount Maximum | $25,000,000 |
| Terms | 1 year, 18 month, 2 year, 6 month |
| Credit Score Min | 700 |
| Interest Only or Amortized | Interest Only |
| Max Points Charge by Broker | 3 |
| Prepayment Penalty | No Prepayment Penalty |
| Recourse | Non Recourse |
| General Pricing or Guideline info | Occupancy guidelines – we can close on a property if it is vacant but we will use 90% of market rent to determine the dscr in those situations. Discounted origination fee on refinance >> Draw fee reduced for portfolio loans* to $150 per Draw, per Property. ($225 for single asset loans) |
| Updated as of | 2025-09-26 |
Rehab Loan | |
| Property Types | 2-4 Units, Condo, Multi Family, SFR |
| Lendding Area | alabama, arizona, arkansas, california, colorado, connecticut, delaware, florida, georgia, hawaii, idaho, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, michigan, minnesota, mississippi, missouri, montana, nebraska, nevada, new-hampshire, new-jersey, new-mexico, new-york, north-carolina, north-dakota, ohio, oklahoma, oregon, pennsylvania, rhode-island, south-carolina, tennessee, texas, utah, virginia, washington, west-virginia, wisconsin, wyoming |
| Loan amount Minimum | $100,000 |
| Loan amount Maximum | $10,000,000 |
| Interest Rate Minimum | 7.5% |
| Interest Rate Maximum | 11.5% |
| Points Minimum 1st TD | 0.75 |
| Terms | 18 month, 1 year |
| Typical Days Required to Fund | 11-15 Business days |
| Credit Score Min | 660 |
| Interest Only or Amortized | Interest Only |
| Fees | Processing Fee |
| Extensions Available | Built-in |
| Cross Collateralize Blanket | No |
| Lien Position | 1st |
| Max Points Charge by Broker | 3 |
| Prepayment Penalty | No Prepayment Penalty |
| Fixed or Adjustable | Fixed |
| Recourse | Recourse and Non Recourse available |
| General Pricing or Guideline info | Fix-to-rent rehab loans are a 2 time close program – one for 13 or 19 months to purchase and renovate and then a refinance into a 30 yr. term loan. N-HOUSE SERVICING | INTERNAL VALUATIONS* | CONSTRUCTION MANAGEMENT ------- Experience Requirement Each entity must have at least one member with verified experience. If your borrower doesn’t meet that, they can add a mentor or partner on their first few projects. Definition of an Exit An exit is the sale or refinance of an investment residential property completed within the past 36 months. To qualify, the individual must have been on title, part of the entity on title, or the General Contractor (GC) on a verified ground-up build. Exit Counting Rules 1–9 unit properties: 1 exit per parcel 10+ unit properties: (Total units ÷ 2) = number of exits As General Contractor Rules Counted as 1/2 exit if not on title Ground Up or Flip Experience for relevant product (GC for GUC or Rehab for Flip) Subject project must be similar in scope to experience Must be verifiable by Certificate of Occupancy (CO) or Building Permits Flips or rehabs not on title do not count toward exits unless as GC Program Tiers Fix & Flip / BridgePlus Tier 2 = 1 exit Tier 3 = 3 exits Tier 4 = 6 exits Tier 5 = 12 exits |
| Updated as of | 2026-03-05 |
Construction Loan | |
| Property Types | 2-4 Units, Condo, Multi Family, SFR |
| Lendding Area | alabama, arizona, arkansas, california, colorado, connecticut, delaware, florida, georgia, hawaii, idaho, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, michigan, minnesota, mississippi, missouri, montana, nebraska, nevada, new-hampshire, new-jersey, new-mexico, new-york, north-carolina, north-dakota, ohio, oklahoma, oregon, pennsylvania, rhode-island, south-carolina, tennessee, texas, utah, virginia, washington, west-virginia, wisconsin, wyoming |
| Loan amount Minimum | $100,000 |
| Loan amount Maximum | $15,000,000 |
| Terms | 1 year, 18 month |
| Typical Days Required to Fund | 11-15 Business days |
| Credit Score Min | 620 |
| Interest Only or Amortized | Interest Only |
| Fees | Processing Fee |
| Entities | LLC - Limited Liability Corporation, Taking Title Personally not permitted, Corp - Corporation, Foreign National, Individual |
| Extensions Available | Built-in |
| Cross Collateralize Blanket | No |
| Lien Position | 1st |
| Max Points Charge by Broker | 3 |
| Prepayment Penalty | No Prepayment Penalty |
| Fixed or Adjustable | Fixed |
| Recourse | Recourse and Non Recourse available |
| General Pricing or Guideline info | Personal guarantees are required unless they choose the non-recourse option in the fix-n-flip, bridge, or new construction loans – borrowers only qualify for the non-recourse option if they have at least 5 deals in the last 3 years. Loans for builders with shovel-ready lots or teardown projects. Spec houses or model homes, infill, teardown, or subdivisions. >> New Construction: Increase Lot LTC from 60% to 65% Increased LTARV from 65% to 70% Continuing to fund 100% of vertical construction costs. ------- Experience Requirement Each entity must have at least one member with verified experience. If your borrower doesn’t meet that, they can add a mentor or partner on their first few projects. Definition of an Exit An exit is the sale or refinance of an investment residential property completed within the past 36 months. To qualify, the individual must have been on title, part of the entity on title, or the General Contractor (GC) on a verified ground-up build. Exit Counting Rules 1–9 unit properties: 1 exit per parcel 10+ unit properties: (Total units ÷ 2) = number of exits As General Contractor Rules Counted as 1/2 exit if not on title Ground Up or Flip Experience for relevant product (GC for GUC or Rehab for Flip) Subject project must be similar in scope to experience Must be verifiable by Certificate of Occupancy (CO) or Building Permits Flips or rehabs not on title do not count toward exits unless as GC. New Construction Tier 3 = 3 exits Tier 4 = 6 exits Tier 5 = 12 exits |
| Updated as of | 2026-03-05 |
Summary of all Guidelines | |
| Loan Types | Bridge Loan, Commercial Loan, Construction Loan, DSCR Loan, Hard Money Loan, Rehab Loan |
| Property Types | 2-4 Units, Multi Family, SFR |
| Lendding Area | alabama, arizona, arkansas, california, colorado, connecticut, delaware, florida, georgia, hawaii, idaho, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, michigan, minnesota, mississippi, missouri, montana, nebraska, nevada, new-hampshire, new-jersey, new-mexico, new-york, north-carolina, north-dakota, ohio, oklahoma, oregon, pennsylvania, rhode-island, south-carolina, tennessee, texas, utah, virginia, washington, west-virginia, wisconsin, wyoming |
| Loan amount Minimum | $75,000 |
| Loan amount Maximum | $10,000,000 |
| Interest Rate Minimum | 6% |
| Interest Rate Maximum | 12% |
| Points Maximum 1st TD | 3.5 |
| Terms | 5 years, 10 years, 20 year, 30 years |
| Credit Score Min | 630 |
| Interest Only or Amortized | Interest Only, Amoritzed |
| LTV Bridge | 80 |
| LTC Construction | 90 |
| Upfront Fees | Appraisal, Credit Report, Underwriting |
| ARV Rehab & Construction | 75 |
| LTC Rehab | 90 |
| LTV Long Term Rental | 80 |
| Personal Guarantee /Recourse Required | Personal Guarantee Not Required / Non-Recourse |
| Intended Occupancy | Vacant, Tenant |
| Rural Acceptable | Max 2 Acres |
| Percentage of Budget Financed - Rehab | 100 |
| LTC Percentage of Budget Financed | 100 |
| NMLS ID | 1324403 |
Successful real estate investing takes a team of highly skilled experts all working toward the same goal. At Lima One we truly believe in the importance of being a reliable part of our clients’ teams and in helping them achieve their goals. From initial conversation to final payoff, we’re here for you.
Lima One Capital LLC is located in Greenville, SC. They offer financing for Bridge Loans, Hard Money Loans, DSCR Loans, Commercial Loans, Rehab Loans and Construction Loans. The property type they primarily lend against is Multi Family, SFR and 2-4 Units. Their minimum loan amount is $75,000. Their maximum loan amount is $10,000,000. They offer loans for a minimum Term of 1 year. Maximum duration of 5 years;10 years;20 year;30 years. Although rates can change they are typically lending at a minimum rate of 6%. Maximum interest rate of 12%. Points charged are deal specific, but historically have charged a minimum of 0. Maximum points charged are 3.5.
These descriptions are limited information and meant for general reference purposes. 300 East McBee Avenue Suite 300
Greenville,
SC
29601
Lima One Capital, LLC / 201 E. McBee Ave. Suite 300. Greenville, SC 29601/ (800) 390-4212 / Lima One Capital, LLC does not lend in Alaska, North Dakota, South Dakota, or Vermont. / Arizona Mortgage Banker License #0949706 / Florida Mortgage Servicer License # MLD1662 / Idaho Mortgage Broker/Lender License # MBL-2081324403/ Minnesota Residential Mortgage Originator License # MN-MO-1324403/ Nevada Mortgage Company License #5304/ Oregon Mortgage Lender License # ML-5397/ Utah-DRE Mortgage Entity License # 11755492 / Licensed as a California Finance Lender under the Department of Business Oversight License #60DBO-45834
