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 we’ve grown and expanded into a national rental finance and hard money lender, we have become leading hard money lenders for Michigan real estate as well as for real estate investors across 45 states and Washington, D.C. There are many exciting opportunities for real estate investors in today’s market, and we look forward to working with them as they pursue those opportunities.
A Commitment to Customer Service
Part of what makes Lima One Capital different from traditional hard money lenders in Michigan is our commitment to customer service. We are continuously looking for ways we can better serve our clients, and we stand by our promise to never charge any hidden costs or junk fees. We offer the most straightforward rates and terms in the hard money industry and we close and fund our loans quickly and efficiently thanks to an in-house underwriting team. We also offer in-house construction draws–a service other private money lenders in Michigan can’t match.
Industry Leading Hard Money 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 Michigan.
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 Easy to Get Started
To get started simply fill out our two-minute application form. Once you have submitted your application a member of our team will contact you to begin the underwriting process. If you have any questions about Lima One Capital or our loan programs feel free to contact us at 844-871-0354, we’d be happy to answer your questions.