California Hard Money Lender

Lima One Capital’s industry leading fix-and-flip, new construction, rental, and multifamily property financing is available throughout the state of California.  As a hard money lender our mission is to provide unparalleled customer service, absolutely NO junk fees, and the best rates and terms in the hard money industry for real estate investors across the country.  These characteristics set us apart from traditional hard money lenders and we take great pride in our ability to provide the best financing options for investors.  Our goal is to be the top rental finance and hard money lender in California and we believe that our core company standards and industry leading rates will help us to achieve that goal.

Industry Leading Loan Programs

The FixNFlip program is for the purchase and rehab of an investment single-family residential property with the intention of reselling the property.  New Construction financing is available for investors looking for tear down/rebuild projects. Our Rental program offers both a 30 year, fully amortized, fixed-rate loan product for the purchase or refinance of a single property or an entire portfolio of properties and a 30 year, fully amortized 5/1 Hybrid ARM with a fixed rate for the first five years and floats according to the monthly LIBOR index for the remainder of the loan.  Our Rental30 Premier option is for experienced investors with a minimum of 5-properties valued at $500K. Another product within our Rental program is the Rental 2+1, which is designed to bridge the gap between short and long-term financing.  We also offer Multifamily financing for properties with 5+ units that are either stabilized or in need of value-add rehab.  Investors will also be able to acquire Cash-Out loans across our entire lending area, including California.

Designed for investors looking to buy a property, renovate it, and resell it, all within a 13-month period.

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For investors seeking to build a rental property portfolio or own a single rental property to serve as a source of monthly cash-flowing income.

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A program created for those who want to purchase or refinance a multifamily property — comprised of 5 or more units — in need of value-add rehab or already stabilized.

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Apply Now for Financing

If you’re ready to get started click the Apply Now button below and one of our operations analysts will be in touch with you to get the loan process started.  If you have any questions feel free to reach out and one of our representatives will be happy to answer any questions that you may have.  We look forward to working with you as we continue to pursue our mission to revolutionize the hard money industry!