Lima One Capital Reviews: Is This Lender Really Worth It?

Securing financing as a real estate investor can feel overwhelming, especially when every lender claims to be the solution to your problems. Some promise quick closings, others talk about flexibility, but the reality is that not all lenders operate the same—and choosing the wrong one can cost you time, money, and deals. That’s why many investors dig into Lima One Capital reviews before applying. They want to know whether this lender actually supports investors or just looks good on paper.

Lima One Capital positions itself as a go-to private lender for fix-and-flip projects, rental portfolios, DSCR loans, ground-up construction, and even multifamily deals. It’s a big promise, and naturally, investors want to understand whether the performance lives up to the branding. Is Lima One a strong, dependable partner… or are there better options depending on your strategy?

This guide breaks the entire picture down for you. We’ll walk through who Lima One is, the loan programs they offer, how their rates and fees really work, what you need to qualify, how their funding process unfolds, and what actual borrowers have experienced. You’ll also see the major pros and cons, alternatives worth comparing, and our expert take on when Lima One makes sense—and when it doesn’t. By the time you reach the end, you’ll have a clear sense of whether Lima One aligns with your investing goals or if another lender may be a better fit.

• Overview of Lima One Capital
• Loan Programs & Pricing
• Eligibility & Requirements
• Application & Funding Process
• User Reviews & Reputation
• Pros & Cons
• Competitor & Alternative Comparison
• Who Should Use Lima One?
• Expert Verdict & Final Thoughts
• FAQs

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Overview of Lima One Capital: What Is Lima One Capital?

Lima One Capital is a private lending company founded in 2010 and headquartered in Greenville, South Carolina. If you’ve been researching options for hard money lenders or reviewing private money lending, you’ve probably seen Lima One positioned as a premier lender for real estate investors nationwide. A typical Lima One Capital review highlights the company’s tech-driven approach, in-house servicing, and emphasis on creating loan products specifically for investors rather than relying on traditional consumer-style underwriting.

Since launching, Lima One has funded more than $2 billion in real estate investor loans across the country. Part of their appeal comes from how they combine personalized support with technology that helps investors manage reporting, construction budgets, draw requests, and overall project performance. They work with a wide range of investors—those completing fix-and-flip projects, building rental portfolios, tackling ground-up new construction, or repositioning multifamily properties across multiple U.S. markets.

One thing investors appreciate early on is that Lima One operates differently from traditional banks. Instead of requiring perfect credit or heavily scrutinizing your personal income, Lima One evaluates deals through an investor-focused lens. They look at project economics, calculate ARV potential, renovation scope, experience level, and the feasibility of your exit strategy. This makes them more accessible for investors who need speed, flexibility, or capital structured around how real estate investing actually works.

Lima One also appeals to repeat investors because of its structured servicing experience. You’re typically assigned a dedicated loan representative, plus a construction support team to oversee draws and timelines. As your portfolio grows, you may also work with a portfolio manager who acts as a long-term point of contact. For investors who value predictability and consistent communication, this servicing model is a major selling point.

• Nationwide lending footprint for fix-and-flip, rental, multifamily, and construction investors.
• In-house servicing and construction monitoring for more transparent project management.
• Technology-driven reporting tools that help investors track budgets, timelines, and project performance.
• Borrower experience built for speed and flexibility compared to traditional banks.
• Supports new and experienced investors with underwriting based on deal economics and ARV potential.
• Consistent lending programs across multiple markets make it easier to scale your portfolio.

If you're looking for a real estate investor lender with predictable loan products, nationwide availability, and systems built around how investors operate, Lima One Capital is often one of the first names to come up—which is why so many people search for a detailed Lima One Capital review before applying.

Start Your Real Estate Investing Journey the Right Way

As you explore lenders like Lima One Capital, it’s worth remembering that financing is just one piece of the bigger puzzle. The investors who win over the long term don’t just pick a hard money lender and hope for the best—they understand how the whole business fits together. They know how to source deals, run the numbers, structure exit strategies, and line up funding from multiple sources so they’re never stuck waiting on one “maybe.”

That’s why our team at Real Estate Skills created the Ultimate Guide To Start Real Estate Investing. Instead of trying to piece everything together from random YouTube videos and forum posts, you get a step-by-step roadmap that shows you how wholesaling, fixing and flipping, building rentals, and raising private money all connect. Whether you’re brand new or already doing a few deals a year, this guide is designed to tighten up your strategy and speed up your learning curve.

If you want more than just another Lima One Capital review—and you’re serious about building a real investing business—this guide is your next move. Click below to download the Ultimate Guide To Start Real Estate Investing and start building your foundation the right way.

Loan Programs & Pricing

Lima One Capital offers a full suite of investor-focused loan products that cover everything from quick flips and rentals to ground‑up construction, portfolio refinances, and short‑term bridge loans. Each program is structured with the flexibility and speed that real estate investors need, along with specialized real estate underwriting that looks at the project’s merits rather than just a borrower’s W‑2 income. In this section, we’ll detail the amounts, terms, leverage, and key features of each loan type, then go beyond the basics to help you decide which loan is right for you.

Lima One Capital Loan Programs

Loan Type	Amounts & Terms	Key Features
Fix & Flip	$100K–$5M; 13, 19 & 24 months	Up to 92.5% LTC & 75% LTV; 100% rehab budget with fast 4‑day draws; interest‑only; defer origination fee payment
Rental & DSCR	$85K–$2.5M+; 5–30‑year terms	Single or portfolio loans; DSCR underwriting; up to 80% LTV purchase / 75% LTV refi; interest‑only or fixed rates; no personal income requirements
New Construction	$100K–$5M; 19 & 24 months	Up to 90% LTC & 70% LTARV; interest‑only on drawn funds; fast draws; 1–4 units; option to refinance into rental loan; rates as low as 9.45%
Bridge Plus	$100K–$5M; 13 & 19 months	Fast closing; up to 85% LTV; no prepayment penalty; exterior valuations; cash‑out options

Which Loan Is Right for You?

• Fix & Flip Loans: Best for investors buying distressed or outdated properties, completing renovations, and selling quickly. Offers high leverage (up to 92.5% LTC and 75% LTV) and covers 100% of the rehab budget with fast draws.
• Rental & DSCR Loans: Ideal for long‑term buy‑and‑hold investors who want cash‑flowing rentals or a portfolio refi. DSCR underwriting focuses on the property’s income, not your W‑2, and terms range from five to thirty years with flexible rate structures.
• New Construction Loans: Suited for builders constructing single‑family or small multi‑unit projects on entitled land. These loans offer up to 90% LTC and 70% LTARV with interest‑only payments on drawn funds.
• Bridge Plus Loans: Designed for investors who need to close fast or buy time while finalizing a long‑term strategy. With up to 85% LTV and no prepayment penalty, Bridge Plus is a short‑term solution for acquisitions, refinances, or transitions between other products.

Real-World Examples and Scenarios

• Fix & Flip: You buy a distressed property for $150K, spend $45K on renovations, and expect to sell in six months. A fix & flip loan covers 92.5% of your purchase plus 100% of the rehab, with draws released in four‑day increments, giving you enough liquidity to finish the project.
• Rental & DSCR: You own a duplex generating $3,000/month in rent. A DSCR loan uses property cash flow instead of your W‑2 to qualify and lets you lock a 30‑year fixed or interest‑only loan. Up to 80% LTV on purchase and 75% LTV on refi/cash‑out means you can extract equity while keeping payments manageable.
• New Construction: You have fully entitled land and a builder’s contract for a 2,000‑sq‑ft infill house. A new construction loan funds up to 90% of the build costs, and interest accrues only on drawn funds. Once the house is complete, you can refinance into a long‑term rental loan or sell for profit.
• Bridge Plus: You find a turn‑key property that needs no rehab, but your bank can’t close fast enough. A Bridge Plus loan provides up to 85% LTV with an exterior valuation and no prepayment penalty, so you secure the deal today and refinance later when rates drop or you finalize your portfolio plan.

Who These Loans Are Not Ideal For

• New Construction: Not suited for first-time investors without build experience or for primary residences, since the underwriting focuses on developer history and project feasibility.
• Fix & Flip: Less useful for tiny cosmetic rehabs where local lenders may offer cheaper rates; also not ideal if your rehab budget is minimal but you need long-term financing.
• Rental & DSCR: Not appropriate for heavily distressed rentals that don’t yet cash flow enough to meet DSCR requirements.
• Bridge Plus: Can be expensive for deals with long hold times; if you have ample time to close and qualify for conventional financing, a lower-cost bank product may work better.

Understanding Leverage: LTC, LTV & ARV Explained

• Loan-to-Cost (LTC): The percentage of the total project cost (purchase plus rehab or build cost) that the lender will finance. Higher LTC means lower out-of-pocket cash requirements.
• Loan-to-Value (LTV): The loan amount divided by the property’s current value. For rentals and bridge loans, Lima One offers up to 80% LTV on purchases and 75% on refinances.
• After-Repair Value (ARV) & LTARV: The projected value after renovations or construction. Some Lima One products lend up to 70% LTARV for new construction, helping you maximize leverage based on future value.

How Lima One Compares to Local Hard Money Lenders

• More standardized pricing and terms: nationwide leverage guidelines and published rate ranges, versus highly variable local terms.
• Technology-driven draw management and reporting: online portals and fast draw approvals simplify the rehab or construction process, whereas small lenders may require manual paperwork.
• In-house servicing and portfolio support: Lima One provides a dedicated rep plus construction support and portfolio management; local lenders may be less structured.
• Nationwide availability: You can fund deals across multiple states without switching lenders, unlike many local hard money shops.
• Potential trade-off: Local lenders sometimes close even faster on small deals, and they may have more flexible credit exceptions for unique properties. Lima One’s standardized process means occasional slower closings on urgent deals.

By combining program details with real-world context, comparisons, and pro tips, this section helps you determine exactly which Lima One loan fits your strategy, and where another lender or product might be a better fit.

Eligibility & Requirements

Lima One Capital is known for being more flexible than traditional banks, but borrowers still need to meet certain standards to qualify. While they serve a wide range of real estate investors, their programs are generally designed for individuals or businesses with some level of experience—and in many cases, borrowers are expected to operate as accredited investors or established entities with a track record in real estate. Experience, financial stability, and deal quality all play a major role in approval.

Unlike traditional mortgage lenders, Lima One doesn’t publicly publish minimum credit scores or income thresholds. However, higher credit scores significantly improve your approval odds, and investors with stronger financials often receive better pricing. What matters most is your down payment capability, the strength of the deal, and—depending on the program—your experience with flips, rentals, renovations, or construction.

Typical Lima One Capital Requirements

• Down payment: Typically 15–25% depending on the loan type and leverage offered.
• Real estate experience: Prior flips, rental ownership, or project management history improves approval likelihood; some programs strongly prefer 3–5 completed projects.
• Credit strength: No published minimum, but higher credit scores result in easier approvals and better pricing.
• DSCR coverage (for rental loans): Property must meet minimum DSCR ratios, usually 1.00–1.20+, depending on the loan structure.
• Property value and condition: Properties must meet market value standards, and severe structural or environmental issues may require additional review.
• Appraisal and valuation: Third-party appraisal or exterior valuation, depending on the program.
• Financial documentation: Bank statements, business entity documents, tax returns (if relevant), and proof of funds for down payment and reserves.
• Title search and insurance: Required on all loans to ensure clear ownership and no hidden liens.

Requirements by Program

• Fix & Flip Loans: Experience is preferred; borrowers with several completed projects get better terms. Down payment typically is 10–20% depending on LTC/LTV.
• Rental & DSCR Loans: Focuses primarily on property cash flow rather than personal income. Higher DSCR leads to better pricing and easier approval.
• New Construction: Strongly favors builders or investors with ground-up experience. Requires detailed budget, plans, entitlements, and contractor agreements.
• Bridge Plus Loans: Often requires a track record of at least 3–5 completed projects and the ability to close quickly with liquidity to cover carry costs.

State Availability

Lima One Capital lends in most U.S. states, but availability and loan options may vary based on local regulations. Investors should confirm state eligibility during the initial consultation to ensure the specific program they want is available in their market.

If you’re a beginner, Lima One may still consider your application, but you’ll want a strong deal, solid credit, and enough liquidity to show you’re prepared. If you have experience under your belt, you’ll find that Lima One’s investor-focused structure is designed to help you scale.

Application & Funding Process

Lima One Capital’s application process is designed to move faster than traditional banks while still offering enough structure to protect both the lender and the investor. Whether you’re applying for a fix-and-flip loan, a rental DSCR loan, bridge financing, or new construction, the steps are largely the same. Understanding the process ahead of time can help you prepare your documents, avoid delays, and get funded quickly. Below is a clear walkthrough of the full Lima One application process from start to finish.

Pre-Application Preparation

Before submitting anything online, it’s smart to gather the essential details lenders will request. This includes:

• Property address, photos, and initial analysis (ARV, comps, rent estimates, etc.)
• Rehab budget or construction plan (if applicable)
• Recent bank statements showing liquidity
• Tax returns or entity documents (if needed)
• Your credit report and history of past projects

The more complete your package is up front, the smoother the underwriting process will be.

The Lima One Application Process

1. Apply Online
   The process begins with a brief online application that asks for your personal information, business or entity details, property address, project type, estimated costs, and overall investment strategy. Expect to upload or provide access to documents such as tax returns, bank statements, and property analysis. This step helps Lima One determine whether your project fits within their guidelines before moving forward.
2. Speak With a Loan Representative
   After applying, a Lima One loan specialist will call you to review your project in detail. You’ll discuss property condition, rehab scope, exit strategy, timeline, and any experience you have with similar projects. You may be asked for additional documentation, like contractor bids, rent rolls, or updated financials.
3. Underwriting & Approval
   Once your rep collects your documents, the file moves to underwriting. During this stage, Lima One will:
   • Order an appraisal or exterior valuation
   • Conduct a title search
   • Verify entity documents and bank statements
   • Evaluate your rehab budget or construction plan
   • Calculate DSCR (for rental loans)
   • Assess your experience level and credit profile
   Underwriting typically takes 7–10 business days, depending on the complexity of the project and appraisal scheduling.
4. Closing & Funding
   After approval, your representative will schedule the closing. You’ll sign the loan documents, pay closing costs and lender fees, and finalize escrow. Funds are disbursed at closing or through construction draws (for flip and new construction loans), depending on your loan type.

Average Timeline by Loan Type

Loan Type	Application to Underwriting	Underwriting to Approval	Closing & Funding
Fix & Flip	1–3 business days	7–10 business days	2–4 business days
Rental / DSCR	1–2 business days	7–10 business days	3–5 business days
New Construction	1–4 business days	10–14 business days	3–7 business days
Bridge Plus	Same day to 2 days	5–7 business days	1–3 business days

The Lima One application process is built to be investor-friendly, but your preparation and responsiveness are what determine how fast you actually receive funding. When your documents are organized and your project is clearly planned, you’ll experience one of the quickest approval timelines in the private lending space.

User Reviews & Reputation

When analyzing Lima One Capital reviews across major platforms, one thing becomes clear: investor sentiment is mixed. Many borrowers praise Lima One for competitive rates, solid loan programs, and responsive reps, while others report frustrations with slow funding timelines, unexpected fees, or last-minute underwriting conditions. This blend of strong positives and notable negatives makes Lima One a lender you must research carefully—especially if your deal is time-sensitive or you’re relying on a specific timeline.

Across third-party sources like the Better Business Bureau (BBB), TrustPilot, Google Reviews, Yelp, and investor forums such as BiggerPockets, Lima One receives a wide spectrum of feedback. Borrowers who had smooth experiences often highlight clear communication and efficient draw processing. Meanwhile, negative reviews tend to center around slow underwriting, delayed appraisals, higher-than-expected fees, or funding delays that affected closing dates.

Lima One Capital Ratings by Platform

Platform	Average Rating	Review Volume / Notes
Better Business Bureau (BBB)	A+ Rating	Mixed reviews; several resolved complaints; many comments mention delays
Google Reviews	3.5–4.0 stars (varies by branch)	Hundreds of reviews across locations; praises for helpful reps
TrustPilot	Limited rating data	Few verified reviews; inconsistent feedback
Yelp	3–3.5 stars	Small volume; reviewers note mix of professionalism and slow approvals
BiggerPockets Forum	No star rating (discussion-based)	Investors discuss slow underwriting; some praise consistent draw process

What Borrowers Like About Lima One Capital

• Competitive rates and leverage on fix and flip, rental, and construction loans.
• Helpful and responsive loan representatives who walk borrowers through the process.
• Fast draw releases on rehab projects (when documentation is complete).
• Investor-focused underwriting that looks at ARV, DSCR, and project economics rather than just W-2 income.
• Nationwide lending that allows borrowers to scale in multiple markets.

Common paraphrased positive sentiment includes comments like: “My rep was extremely knowledgeable and helped me structure the deal the right way,” and “The draw process was smooth and much faster than other hard money lenders I’ve used.”

What Borrowers Complain About

• Slow underwriting or longer-than-expected funding timelines, especially during busy seasons.
• Higher fees than initially expected or not fully understood before closing.
• Last-minute documentation requests that delayed closings.
• Inconsistent communication depending on the representative handling the file.
• Collateral or reserve requirements felt stricter than advertised.
• Appraisal delays caused financing bottlenecks.

Paraphrased negative sentiments often sound like: “The loan terms changed during underwriting and delayed my closing,” or “Fees were higher than expected once all the numbers were finalized.”

Our Verdict on the Reputation Data

At Real Estate Skills, we reviewed feedback from all major platforms to form an unbiased perspective. The pattern is clear: Lima One Capital is a legitimate, established private lender with strong products and real investor appeal.

However, they’re not the fastest lender in the industry, and borrowers working under tight deadlines should plan ahead or consider alternative options. If you value higher leverage, reliable draw management, and nationwide lending more than ultra-fast closings, Lima One can be a strong partner—just make sure you fully understand the fees and timelines before committing.

Pros & Cons Analysis

Every lender has strengths and weaknesses, and Lima One Capital is no different. Understanding both sides of the equation is essential when deciding whether they’re the right financing partner for your real estate deals. Below is a clear breakdown of the main advantages and disadvantages based on lender data, review patterns, and investor feedback.

Pros of Lima One Capital

• Wide variety of loan programs, including fix and flip, rental/DSCR, multifamily, bridge, and new construction options.
• Competitive hard money rates relative to other nationwide private lenders.
• Nationwide lending footprint, allowing investors to scale across multiple states using a single lender.
• Fast closings, typically around two weeks for well-prepared files.
• In-house servicing for draws, construction management, and long-term loan support.
• Personalized service with dedicated loan representatives and portfolio support teams.
• Strong DSCR rental options, ideal for buy-and-hold investors who want long-term fixed or interest-only terms.
• High leverage options, such as up to 92.5% LTC on fix and flip projects and up to 80% LTV on rental purchases.

Cons of Lima One Capital

• Higher interest rates compared to conventional loans, commonly falling in the 7–12%+ range.
• Multiple fees, including origination, underwriting, appraisal, and construction management fees, depending on the program.
• Stringent underwriting that may require additional documentation, experience verification, or revised budgets.
• Occasional slow funding times compared to smaller local hard money lenders.
• Mixed customer reviews across BBB, Google, and other platforms.
• Limited availability in certain states or restrictions based on property type and local regulations.
• May not be ideal for first-time investors who have limited experience with flips, construction, or DSCR-financed rentals.

Evaluating Lima One Capital’s pros and cons in the context of your own goals is key. For experienced investors with well-planned projects, Lima One offers a strong combination of leverage, loan options, and support. For new investors or deals that require ultra-fast timelines, their process may feel more rigid or slower than expected.

Competitor & Alternative Comparison

Even if Lima One Capital looks like a strong option, it’s smart to compare it with other top hard money lenders before you commit. Every lender has slightly different rates, requirements, timelines, and strengths—so choosing the right one depends on your experience level, your strategy, and how fast you need to close. Below is a comparison of Lima One and several well-known competitors to help you find your best fit.

Lima One Capital vs Top Hard Money Lenders

Lender	Loan Types Offered	Rates & Fees	Max Loan Amount	Funding Speed	Pros & Cons
Lima One Capital	Fix & Flip, DSCR, Rental Portfolios, Bridge, New Construction, Multifamily	Competitive; several fees; strict underwriting	Up to $5M+	~2 weeks	High leverage, strong programs; slower than local lenders
Kiavi	Fix & Flip, Bridge, Rental DSCR	Competitive rates; lower fees; tech-driven	Up to $1.5M–$2M	Fast, often under 10 days	Fast closings, easy platform; may offer less leverage
New Silver	Fix & Flip, DSCR, Ground-up Construction	Rates vary; fintech-style convenience	Up to $2M–$3M	~1 week	Super fast; but limited by property types
RCN Capital	Fix & Flip, DSCR, Bridge, Rental	Moderate to high fees; good leverage	Up to $3M–$5M	10–14 days	Large loan sizes; slower processing
Groundfloor	Fix & Flip, Short-Term Notes	Lower rate options; crowdfunding model	Varies by project	Varies; often slow due to investor funding	Lower costs; but inconsistent timelines

How Lima One Capital Compares to Competitors

Compared to other nationwide private lenders, Lima One stands out for its breadth of loan programs and its in-house servicing. Investors who want a single lender to handle everything—fix and flip, DSCR, new construction, and even multifamily—often prefer Lima One over niche lenders like Groundfloor or New Silver.

Kiavi is generally the fastest option for closings and offers a streamlined, tech-driven experience, making it a great fit for flippers who need speed above all else. New Silver is another fast, fintech-style lender, but it offers fewer in-depth loan programs. RCN Capital is strong for larger loans and experienced operators, but can be slower than competitors. Groundfloor has unique advantages with its crowdfunding structure, but its variable funding times make it less predictable for investors with tight deadlines.

If you need the most diverse loan menu and don’t mind a slightly slower timeline, Lima One offers excellent leverage and strong servicing. If you need the fastest possible close, Kiavi or New Silver may be a better match. If you’re building multifamily projects or scaling across several states, Lima One’s consistency becomes a major advantage.

What to Consider When Choosing a Hard Money Lender

• Your experience level (first-time vs. seasoned investor)
• Your credit score and liquidity
• The property type and condition
• Required funding speed and timeline flexibility
• Total loan costs (fees + rate + required down payment)
• Lender’s communication and customer service reputation
• State availability and regulatory limits

If Lima One fits your experience level, timeline, and project type, they offer one of the most complete lending platforms in the industry. But if you're a beginner or need lightning-fast closings, alternatives like Kiavi or New Silver may better match your goals.

Who Should Use Lima One Capital?

Lima One Capital is a strong financing partner for many real estate investors—but not all. Because their underwriting is more structured than smaller local lenders and their programs favor investors with experience, the lender tends to work best for those who already understand the fundamentals of rehab, rental financing, DSCR analysis, or new construction. If you’re an investor who values high leverage, nationwide lending, and in-house servicing, Lima One can be a long-term partner that supports your growth across multiple markets.

However, if you’re brand-new to real estate, have poor credit, or need a loan closed in just a few days, Lima One may not be the easiest starting point. Their process is thorough, their documentation requirements are detailed, and their underwriting timeline—while faster than banks—is not always as fast as smaller local private lenders. Below is a practical breakdown of who Lima One is best suited for and who may want to consider alternatives.

Ideal Candidate Profiles

• Experienced fix-and-flip investors who want high leverage, structured draw management, and competitive terms.
• Investors who are comfortable with DSCR underwriting and who want long-term rental loans without relying on W-2 income.
• Builders or developers working on new construction or small infill projects require consistent funding.
• Portfolio investors seeking financing for multiple rentals or value-add multifamily deals.
• Operators who value in-house servicing and want a vested partner through the entire project lifecycle.
• Investors scaling across multiple states who prefer a single lender with national coverage.
• Borrowers with solid credit and liquidity who can confidently meet underwriting requirements.

Not a Good Fit If…

• You’re a first-time flipper with no renovation experience or contractor track record.
• Your credit score is low, or your bank statements don’t show enough reserves.
• You need funding in under a week and don’t have time for a full underwriting package or appraisal.
• You want the lowest possible fees and expect bank-level rates, which private lenders generally do not offer.
• Your deal involves a primary residence or owner-occupied property (Lima One funds investment properties only).
• Your project is extremely small, rural, or unusual and requires a hyper-local lender with niche flexibility.

Ultimately, choosing Lima One Capital comes down to your experience level, your project scope, your credit and liquidity, and how confident you feel navigating investor-focused underwriting. If you need structured support, competitive leverage, and a lender with a national presence, Lima One is a strong contender. If you’re new or still building confidence, a smaller local lender—or starting with simpler strategies like wholesaling—may be a better fit.

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*For in-depth training on real estate investing, Real Estate Skills offers extensive courses to get you ready to make your first investment! Attend our FREE Webinar Training and gain insider knowledge, expert strategies, and essential skills to make the most of every real estate opportunity that comes your way!

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Expert Verdict & Final Thoughts

Lima One Capital stands out as one of the most comprehensive private lenders in the real estate investing space. Their broad loan menu—fix and flip, DSCR, new construction, multifamily, and bridge—gives investors the flexibility to scale across multiple exit strategies. Their leverage is strong, their underwriting is investor-focused, and their in-house servicing makes the experience smoother for seasoned operators who know how to navigate draw schedules, construction budgets, and DSCR requirements. That said, their rates fall on the higher end of the hard-money spectrum, their underwriting can feel rigid, and user reviews show a mix of great success stories and frustration around slower-than-expected timelines.

Based on program quality, customer sentiment, and overall ease of use, Real Estate Skills gives Lima One Capital a 3.5 out of 5. They excel for experienced investors who want reliable leverage and nationwide availability, but they may not be the best match for first-time flippers, borrowers with weak credit, or deals that require ultra-fast closings. Their strength lies in consistency and structure—not speed at all costs.

Ultimately, Lima One is worth considering if you have a well-planned project, strong financials, and the experience to meet their underwriting expectations. Just be sure to budget for fees, confirm timelines early, and compare options if you’re working under tight deadlines. For many investors, they’re a dependable long-term lending partner—so long as your project and skill set align with their requirements.

Whether you’re evaluating Lima One or comparing multiple lenders, the key is understanding how financing fits into your investing strategy. If you want to learn how to analyze lenders, secure better loan terms, and fund deals confidently, our Real Estate Skills training programs can guide you every step of the way.

Explore Real Estate Skills Training

FAQs

Before choosing a private lender, it’s completely normal to have questions about approval requirements, timelines, credit scores, and whether a company is truly legitimate. Below are the most common questions investors ask about Lima One Capital, answered in a clear, beginner-friendly way to help you make an informed decision.

Is Lima One Capital legit and licensed?

Yes, Lima One Capital is a legitimate and licensed private lender with more than a decade in business and BBB accreditation. They have funded billions in real estate investor loans nationwide.

How long does Lima One approval take?

Lima One typically takes 7–10 business days for underwriting and approval, depending on appraisal and documentation turnaround times. Some loans may move faster, while complex projects may take longer.

What credit score do I need for Lima One?

Lima One does not publish an official minimum credit score requirement, but stronger credit improves your approval odds and terms. Investors with stable financials and reserves generally receive better pricing.

Does Lima One offer DSCR loans?

Yes, Lima One provides DSCR rental loans that qualify you based on property cash flow rather than personal income. These loans are ideal for buy-and-hold investors building long-term rental portfolios.

What states does Lima One operate in?

Lima One lends in most U.S. states, though availability varies depending on program type and local laws. Always confirm state eligibility during the initial consultation.

Are there lower-cost alternatives to Lima One?

Yes, lenders like Kiavi, New Silver, and Groundfloor often offer lower fees or faster closings depending on the deal. Review the competitor comparison section to see which lender best fits your goals.

How much experience do I need to qualify?

Some programs, such as fix-and-flip or new construction, may require several completed projects to qualify. First-time investors may still apply, but should expect stricter underwriting and higher documentation requirements.

What happens if Lima One denies my application?

If you're denied, you can still pursue other private lenders or portfolio DSCR lenders who may have more flexible guidelines. You can also use Real Estate Skills training to strengthen your deal analysis and improve your financing success rate.

Final Thoughts on Lima One Capital

Choosing the right lender can make or break your real estate investing journey, and Lima One Capital offers a wide range of programs that appeal to experienced fix-and-flippers, rental investors, and builders who need reliable, nationwide funding. Their strong leverage options, in-house servicing, and structured underwriting make them a dependable partner for investors who know how to navigate the process. At the same time, their higher fees, mixed reviews, and slower timelines mean they aren’t the perfect fit for everyone—especially beginners or investors who need ultra-fast closings.

If you’re an investor with experience, solid credit, and well-analyzed deals, Lima One can be a powerful tool in your financing toolbox. But if you’re still building confidence, want more flexible underwriting, or prefer faster turnarounds, exploring other lenders may serve you better. The key is matching the lender to your strategy, timeline, and comfort level.

No matter where you are in your investing journey, Real Estate Skills is here to help you build the knowledge, confidence, and systems you need to secure funding, find deals, and grow your portfolio. Whether you’re comparing lenders or preparing for your first flip or rental, our training programs give you the framework to make smarter decisions and move forward with clarity.

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*Disclosure: Real Estate Skills is not a law firm, and the information contained here does not constitute legal advice. You should consult with an attorney before making any legal conclusions. The information presented here is educational in nature. All investments involve risks, and the past performance of an investment, industry, sector, and/or market does not guarantee future returns or results. Investors are responsible for any investment decision they make. Such decisions should be based on an evaluation of their financial situation, investment objectives, risk tolerance, and liquidity needs.