New Jersey Hard Money Lender

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. Since 2010, Lima One Capital has grown and expanded into one of the top rental finance and hard money lenders in the country providing hard money loans for real estate investors in 41 states and Washington, D.C.  New Jersey’s real estate market offers many exciting opportunities for investors and we look forward to working with them as they pursue those opportunities.

Straightforward Rates and Terms

At Lima One Capital we are dedicated to revolutionizing the hard money industry by providing the most straightforward hard money rates and terms with unparalleled customer service to our borrowers.  We will never charge any junk fees or hidden costs and we work to close and fund our loans quickly.  We continuously look for new and innovative ways to provide our borrowers with the best hard money experience.

Innovative 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 New Jersey.

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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Ready to Apply?

If you have a property you’re looking to finance and you’re ready to get started click the apply now button and complete our online application.  After completing an application, a member of our team will contact you to begin the underwriting process.  If you have any questions about any of our loan programs feel free to contact us at 844-871-0354, we’d be happy to answer your questions.