Rental PropertY Details

Rental Loans To Fit Your Exit Strategy

Rental properties can be incredibly rewarding. But to succeed in the market, your investment and exit strategies need to be clear and flexible. As you figure out the finer points of your strategy — single or multiple, how to acquire properties, how long to hold them, and potential pivots for your exit plan — Lima One rental property financing options give you the flexibility to pull it off.

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New Rental Property? Finance It Your Way.

Depending on what you want to accomplish with your property, you may need more or less flexibility. Since your strategy drives the solutions we provide, we'll customize the details of your loan program to match the requirements of your project.

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Maximize Purchasing Power. Let's Talk Leverage.



We’ll structure your loan so that it requires less money out of your pocket and use your capital for other purposes.

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Maximize Cash Flow.
Let's Talk Rate.

By utilizing a discount in points, applying a prepayment structure, or flexing your loan term and duration, you can use our arsenal of tools to help increase your cash flow.

Loan Terms

When Your Investment Plan Requires Flexibility, We Have it

Do you want to set it and forget it at a 30-year fixed rate rental property loan? Are you planning to hold the property for a few years before selling it off or refinancing? Since the duration of your loan is so critical to your investment and exit strategies, Lima One rental loans give you plenty of financing options.

30-Year Fixed icon
30-Year Fixed

Ideal for set-it-and-forget-it strategies that bet on the long-term upside of property appreciation.

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5/1 ARM or 10/1 ARM icon
5/1 ARM or 10/1 ARM

Pay down principal at a predictable rate that's fixed for 5 or 10 years

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5-Year Interest-Only icon
5-Year Interest-Only

Maximizes cash flow by only requiring you to pay interest on the loan balance

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Rental Property financing and Loan Programs

Take Advantage of Custom Features

We don’t believe in one-size-fits-all solutions when it comes to rental property financing. Every investor is different. Every deal is, too. That’s why we build our rental loans with customizable features that let you execute your strategy to the fullest.

Buy Down or Buy Up

  • Higher fee = lower interest rate
  • Lower fee = higher interest rate
  • Lower rate increases DSCR & chance to qualify for higher LTV

Prepayment Penalty Flexibility

  • Pay a higher fee and/or rate to unlock a low or no prepayment penalty option
  • Sell or pay off your property at any time without a penalty
  • Maintain maximum flexibility to exit whenever you want

Waving the Seasoning Period

  • Designed specifically for BRRRR investors
  • Skip six-month seasoning, refinance a Fix and Flip loan into a Rental Loan

Flexible DSCR Requirements

  • Depending on the borrower’s experience and the property's attractiveness, the minimum DSCR is 1.0.
  • The higher DSCR potential your property has, the greater the flexibility in lowering your interest rate
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Portfolio Rental Loan

Portfolio Rental Loan From Lima One

To streamline the rental property loan process, we even coordinate with Title to move the properties from individual conventional loans into your LLC for the Lima One Loan, ensuring that your new portfolio loan covers your insurance and tax payments so you’re not hit with the taxes at the end of the year.

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FixNFlip Details
  • Two or more rental properties, one loan
  • $75,000 minimum value for each property
  • 5, 10 & 30-year options
  • Fixed-rate, ARMs, fully amortizing, or interest-only
  • Flexible pre-payment options
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Single Family Rental Loan

Single Family Rental Loan From Lima One

Flexible rental loan program to fit your investment strategy.

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FixNFlip Details
  • One rental property, one loan
  • Loans from $75K to $2.5M
  • 5, 10 & 30-year options
  • Flexible term and interest rate options
  • Up to 80% LTV on purchase & rate/term refi, up to 75% on cash out
  • No personal income requirements
  • 1-4 units
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Short-Term Rental Loan

Short-Term Rental Loan From Lima One

Competitive rental loans designed specifically for STR strategies.

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Fix2Rent Details
  • Underwritten to STR data
  • Up to 75% LTV on purchases
  • Up to 70% LTV for cash-out refinance
  • 1.3+ DSCR
  • Minimum FICO 700
  • 5, 10 & 30-year options
  • Multiple structure options to fit your unique investment strategy
  • Fixed-rate, ARMs, fully amortizing, interest only, or balloons

Looking for Inspiration?

See how we've helped clients just like you with rental property financing.

Case Study

Nashville, TN

Rental – Nashville, TN

A Nashville investor who owned dozens of rental properties wanted to cash out the equity of their portfolio in order to purchase more properties. They were looking to refinance the portfolio and wanted a fully amortized 30-year loan with a fixed rate—something not every private lender offers.

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$5.1M

Loan Amount

$6.9M

Appraised Value

Rental Insights

Learn More About What Lima One Has To Offer.

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

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

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