Lima One Capital is the nation’s premier lender for real estate investors. We make it easy to finance all of your fix-and-flip projects, new construction builds, rental properties, and multifamily investments. We were founded with the mission to revolutionize the hard money industry and we believe that working with real estate investors in the great state of Iowa will help us to achieve that goal.
Unparalleled Customer Service
What separates Lima One Capital from other traditional hard money lenders is our commitment to providing unparalleled customer service and our dedication to providing the most straight forward rates and terms in the hard money industry. We are fully capitalized and we are committed to our promise of charging absolutely NO hidden costs or junk fees. We close our hard money loans quickly and efficiently so our borrowers can maximize their final return on investment.
Every investor is paired with a NMLS licensed operations analyst who will take the investor through the underwriting process from the time the application is submitted to the time the loan closes and is funded. Our analysts are extremely knowledgeable about our loan products and the areas in which we lend, including Iowa.
Industry Leading Rates and Terms
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 Iowa.
Designed for investors looking to buy a property, renovate it, and resell it, all within a 13-month period.
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.
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.
Get Started Today!
If you’re ready to get started feel free to fill out our quick and simple application and a member of our team will be reach out shortly to begin the underwriting process. Our mission is to revolutionize the hard money industry and we believe that working with investors in Iowa can help us to achieve that goal!