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Lima One Capital LLC

Smart Investments Start With Great Partnerships

Long Term Commercial Loan
Long-Term Hold

Property Types Multi Family
Lending Areas NATIONWIDE
Credit Score Min 680
Recourse Recourse and Non Recourse available
Amortized or Interest Only Amortized and Interest Only Options available
Loan amount Minimum $500,000
Loan amount Maximum $9,000,000
Lien Position 1st
General Pricing or Guideline info MULTIFAMILY LENDING Fast, Common Sense Multifamily Loans Close With Speed, Simplicity, And Reliability When speed, simplicity, and reliability of execution are critical in a multifamily transaction, clients turn to Lima One Capital as the go-to private lender. Value add stabilized icon VALUE ADD OR STABILIZED Calendar icon BRIDGE OR LONG TERM People icon SMALL BALANCE & MIDDLE MARKET LENDING OPTIONS People icon EXPERIENCED OPERATORS, SYNDICATIONS, & INSTITUTIONAL SPONSORS Our sales, credit, and capital markets teams have decades of experience structuring and placing multifamily loans across the country. We offer a full suite of products for every investment strategy—from simple bridge, rehab, and long-term stabilized loans to the most complex structured finance solutions. With significant balance sheet and capital markets capabilities, investors and bankers alike turn to Lima One Capital for all of their private lending and multifamily loan needs. Long-Term Hold Financing for investors looking to hold and cash out their stabilized multifamily property for the long term. Loans up to $9MM 5-100 units All market sizes Amortized and interest-only options Low seasoning requirements As low as 80% occupancy Out-of-state owners and foreign nationals Non-recourse available

Construction Loan
Non Ground -up Construction

Property Types SFR, 2-4 Units, Multi Family, Condo
Lending Areas 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
Credit Score Min 660
Recourse Recourse and Non Recourse available
Term 1 year, 18 month
Loan amount Minimum $100,000
Loan amount Maximum $3,000,000
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.
Updated as of 2023-04-04

Rehab Loan
Fix to Rent

Property Types Condo, SFR, 2-4 Units, Multi Family
Lending Areas 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
Recourse Non Recourse
Term 18 month, 30 year
Loan amount Minimum $75,000
Loan amount Maximum $3,000,000
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
Updated as of 2023-01-18

Bridge Loan
Bridge Plus

Property Types Condo, SFR, 2-4 Units, Multi Family
Lending Areas 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
Recourse Non Recourse
Term 1 year, 18 month, 2 year
Loan amount Minimum $75,000
Loan amount Maximum $3,000,000
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 2023-01-18

Rehab Loan

Property Types SFR, 2-4 Units, Condo
Lending Areas 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
Recourse Non Recourse
Term 1 year, 18 month, 2 year
General Pricing or Guideline info N-HOUSE SERVICING | INTERNAL VALUATIONS* | CONSTRUCTION MANAGEMENT
Updated as of 2023-01-18

Summary of all Guidelines

Loan Types Bridge 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 $5,000,000
Interest Rate Minimum 7%
Interest Rate Maximum 13%
Points Maximum 1st TD 3.5
Terms 5 years, 10 years, 20 year, 30 yrs
Credit Score Min 630
LTV Bridge 70
LTC Construction 90
Occupancy Vacant, Tenant
Upfront Fees Appraisal, Credit Report, Underwriting
ARV Rehab & Construction 70
LTC Rehab 85
LTV Long Term Rental 75
Personal Guarantee /Recourse Required Personal Guarantee Not Required / Non-Recourse
Intended Occupancy Vacant, Tenant
Interest Only or Amortized Interest Only, Amoritzed
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, Construction Loans, Hard Money Loans, DSCR Loans and Rehab 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 $5,000,000. They offer loans for a minimum Term of 1 year. Maximum duration of 5 years;10 years;20 year;30 yrs. Although rates can change they are typically lending at a minimum rate of 7%. Maximum interest rate of 13%. 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.
201 East McBee Avenue Suite 300
Greenville, 
SC
 29601