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Lima One Rental Property Lender

Flexible Loan Programs Designed To Fit Your Rental Investment Goals

Cash Flow or Cash Out? Your Rental Strategy Drives Our Solutions.

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Explore Our Rental Property Loan Types:

Rental Property Loans Types side image

When You’re Looking to Build Generational Wealth by Establishing a Steady Source of Passive Income, the Right Rental Loan Program Can Go a Long Way Toward Making Your Goals a Reality.

At Lima One, we know the ins and outs of the rental market and offer smart, flexible loan programs that can be customized to fit your investment plan and exit strategy. Our rental investment loans are versatile, giving you the leverage you need and the reliable capital you want.

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Single Family Rental Loan

Single Family Rental Loan

Whether you're focusing on a single asset, small or large portfolio, we have multiple loan programs designed to maximize your cash flow.

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Program Highlights
  • One rental property, one loan
  • Loans from $75K to $2.5M
  • Flexible term and interest rate options - Interest Only or Fixed
  • Up to 80% LTV on purchase & rate/term refi, up to 75% on cash out
  • No personal income requirements
  • 1-4 units
  • Rates as low as 6.90%
  • No pre-payment penalty options available
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Portfolio Rental Loan

The Power of the Lima One Portfolio Loan

Acquired multiple rental properties over time? Scaling your business up from one or two properties? Our portfolio rental loan lets you consolidate multiple rental property loans into a single loan, freeing you to chase down even the most ambitious goals.

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Program Highlights
  • Two or more rental properties, one loan
  • Fixed-rate, ARMs, fully amortizing, or interest-only
  • Flexible pre-payment penalty

Flexible

Pre-Payment Penalties

Maintain Maximum Flexibility to Refi or Sell.

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Short-Term Rental Loan

Short-Term Rental Loan

Creative real estate investments call for a lender who understands the nuances and details of the deal. That’s why we offer a competitive short-term rentals program that many private lenders simply don’t have.

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Program Highlights
  • Up to 75% LTV on purchases
  • Up to 70% LTV for cash-out refinance
  • Minimum FICO 700
  • Multiple structure options to fit your unique investment strategy
  • Fixed-rate, ARMs, fully amortizing, interest only, or balloons
  • Underwrite using STR data

Solutions for Any Investment Strategy

What's Your Rental Game Plan?

Strategy One

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Acquire properties and scale your rental portfolio.
Acquire properties and scale your rental portfolio.

Strategy One

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Acquire properties and scale your rental portfolio.
Acquire properties and scale your rental portfolio.

Lima One will help you consolidate multiple properties into a portfolio rental loan that lets you manage a single mortgage payment instead of juggling multiple payments. Our portfolio rental loans make financial management easier and empower you to grow beyond the limits of traditional lending solutions.

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Strategy Two

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Cash out the equity in your rental property.
Cash out the equity in your rental property.

Strategy Two

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Cash out the equity in your rental property.
Cash out the equity in your rental property.

Is your rental property worth more than what you currently owe on it? Leverage a cash-out refinance rental property loan and put the money back in your pocket. Then, do what you want with it — acquire another property, pay off an outstanding loan, or save for a rainy day. Your money, your call.

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Strategy Three

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Follow the BRRRR method.
Follow the BRRRR method.

Strategy Three

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Follow the BRRRR method.
Follow the BRRRR method.

We'll finance the rehab so you can fix up the property. We follow an efficient, streamlined refinance process that is done with speed, ease, and best of all, at a much cheaper cost. As an added perk, we remove all seasoning requirements when you reposition the property from a Lima One fix-and-flip to rental loan. Win-win.

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Strategy Four

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Operate a short-term rental (STR) business.
Operate a short-term rental (STR) business.

Strategy Four

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Operate a short-term rental (STR) business.
Operate a short-term rental (STR) business.

Whether your tenants are staying in your property for a vacation, unique experience, or work trip, we understand short term rentals have a lot of nuances. By using the latest short term rental market income data to analyze your property, we provide the best loan structure possible. Unique lending on unique strategies is our forte.

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Lima One Knows Rentals.

We’ve funded rental property projects like yours. Take a look.

Case Study

Fort Worth, Texas

Rental Premier – Fort Worth, Texas

In the rising interest rate environment of 2022, many single-family rental investors looked for certainty. This Texas investor wanted to get cash out of the equity of his rental portfolio in Fort Worth, Dallas, and Burleson, Texas, but also wanted to lock in 2022’s rates for the long term. So he set out on a search for a fixed-rate, fully-amortizing 30-year loan as a cash-out refinance.

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9

Property Portfolio

30 yr

Fixed Rate, Fully Amortized

Rental Insights

Stay Up-To-Date on the Latest News and Industry Trends With Rental Property Loans.

Still Have Questions?
Need More Details? Ready To Go?

Whatever you need, we’re here to help. Reach out today.

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