Lima One Capital
Lima One is the BRRRR investor's lender. They offer bridge loans for acquisition and rehab, then roll directly into a DSCR term loan once the property is stabilized, all without switching lenders. The 3-month seasoning requirement is waived when refinancing from a Lima One bridge loan, which eliminates the waiting period that slows down most BRRRR cycles. Backed by MFA Financial, they have institutional capital behind a borrower-facing product.
- BRRRR specialist: bridge + DSCR refi under one roof
- Seasoning waived on Lima One bridge-to-DSCR transitions
- AirDNA-based STR income verification
- Foreign national program available
- $75K minimum loan (good for lower-cost markets)
Loan requirements
| Minimum DSCR | 1 (above median of 0.75) |
| Minimum FICO | 660 (at median of 660) |
| Max LTV (purchase) | 80% |
| Max LTV (cash-out) | 75% |
| Min loan amount | $75,000 |
| Max loan amount | $2,500,000 |
| Prepayment penalty | varies |
| BRRRR seasoning | 3 months |
Programs and coverage
| Short-term rentals (STR) | Yes (income via airdna) |
| Foreign nationals | Yes |
| State coverage | 46 states, excludes AK, ND, SD, VT |
| Channel | Direct to investor |
Best for
- Short-term rental (Airbnb/VRBO) investors
- Foreign national investors
- Investors in low-cost Midwest and Southern markets
How Lima One Capital compares
Across the 16 DSCR lenders in our database:
- DSCR floor of 1 is stricter than the median (0.75). You need a healthier cash-flowing property to qualify here.
- FICO minimum of 660 matches the market median.
- 80% max LTV is standard for the DSCR market. Most mainstream lenders cap at 80%.
- STR program available. 12 of 16 lenders in our dataset accept short-term rentals.
- Foreign national program available. 7 of 16 lenders in our dataset serve foreign nationals.
For a full side-by-side comparison, see the lender comparison matrix. Or use the DSCR loan qualifier to find which lenders match your specific deal.
Run your numbers
Before reaching out to Lima One Capital, model your deal:
- DSCR Calculator to verify your property's debt service coverage ratio
- DSCR Loan Calculator to estimate monthly payments and qualification
- Airbnb/STR DSCR Calculator to model short-term rental income scenarios
- Cash-Out Refi Calculator to see how much equity you can pull out
- BRRRR Refinance Calculator to model the full buy-rehab-rent-refinance cycle
Frequently asked questions
Is Lima One Capital a good DSCR lender?
Lima One Capital is a legitimate DSCR lender with terms last verified on 2026-06-11. Whether they are a good fit depends on your specific deal. Their 1 DSCR floor is stricter than the market median of 0.75. Compare their terms against 2-3 other lenders before committing.
What is the minimum credit score for Lima One Capital?
Lima One Capital requires a minimum FICO score of 660. This is at the lower end of the mainstream range. Higher scores (740+) will qualify for better rates and higher LTV.
Does Lima One Capital do short-term rental loans?
Yes, Lima One Capital offers DSCR loans for short-term rentals (Airbnb, VRBO). They verify STR income using airdna. STR programs typically come with slightly lower max LTV and potentially higher DSCR requirements compared to long-term rental programs.
Does Lima One Capital work with foreign national investors?
Yes, Lima One Capital has a foreign national program. Terms may differ from their standard program, including reduced LTV and higher reserves.
What states does Lima One Capital lend in?
Lima One Capital's coverage: 46 states, excludes AK, ND, SD, VT. DSCR lender state coverage changes over time based on licensing and regulatory requirements. Always confirm your state is covered before starting an application.
What is the prepayment penalty at Lima One Capital?
Lima One Capital's prepayment penalty structure is: varies. Compare this against other lenders if you might exit within the penalty period.