Lima One Capital Review

Founded 2010 · Greenville, SC · Nationwide

4.3

Editor Rating

Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.

Editor's Take

Lima One is the best choice for investors who want one lender relationship across every product type. If you're doing BRRRR, flips, ground-up construction, and multifamily — Lima One can handle all of it. They're also one of the more welcoming lenders for first-time investors, and their foreign national program opens doors for international investors. Rates aren't quite as aggressive as Kiavi for volume borrowers, but the breadth of products compensates.

— Bill Rice, 30+ year mortgage lending veteran

Pros & Cons

Pros

  • Broadest product range — flips, DSCR, construction, and multifamily
  • Works with first-time investors
  • Ground-up construction financing available
  • Foreign national programs
  • Multifamily up to 5+ units

Cons

  • Slightly higher rates than Kiavi for experienced borrowers
  • Origination fees on the higher end (1.5–3 points)
  • Draw process for construction can be slow

Loan Products Offered

Eligible Property Types

Single Family (1-4 units)Multifamily (5+ units)Mixed UseCondoTownhouseNew Construction

Best For

New investorsBRRRR strategyConstruction projectsMultifamily investors

Compare Lima One Capital

Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.