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. As a national rental finance and hard money lender we differentiate ourselves from traditional hard money lenders with our commitment to customer service and our ability to provide the most straightforward rates and terms in the hard money industry. Today’s real estate market offers many great opportunities for investors and we look forward to working with them as they pursue those opportunities.
Commitment to Customer Service
Part of our commitment to customer service is our promise to never charge our borrowers any hidden costs or junk fees. Borrowers will also be paired with a NMLS licensed Operations Analyst who will work with them to underwrite their loan. Our Analysts are extremely knowledgeable about our loan products and the areas in which we lend. We are fully capitalized and we work to close and fund loans quickly.
Unparalleled 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 Louisiana.
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.
It’s East to Get Started
To get started simply fill out our simple two-minute application form. Once an application has been submitted an Operations Analyst will contact you to begin the underwriting process. If you have any questions about our loan programs or have a loan scenario you would like to discuss feel free to contact us and we’d be happy to answer any questions you might have.