Lima One Capital

Lima One Capital: private financing for real estate investors in the United States

Lima One Capital, LLC is a private money lender focused on real estate investment. The company presents itself as a provider of capital solutions for individual investors, mortgage brokers, loan officers, and referral partners. Its activity centers on loans for investment projects, with specialized programs and in-house management of the entire process, from application to final payoff.

Loan programs for every investment strategy

Lima One Capital's catalog is organized into several loan types that cover different phases and objectives of real estate investment:

• FixNFlip: flexible loans for purchasing, renovating, and quickly selling properties. The company highlights that they simplify approval, allow you to move quickly, maximize leverage, and adapt to changes on the fly.
• Fix2Rent: a variant aimed at converting a renovated property into a rental.
• Bridge Plus: bridge loans for quick closings or to buy time while finalizing the business plan. Includes options for builders and rental investors.
• New Construction: vertical construction financing on infill land, shovel-ready and fully entitled, for both single builds and developments. Covers build to rent (Build2Rent) and build to sell strategies.
• Rental: loans for rental investment, with portfolio, single-family, and short-term rental options.
• Multifamily: financing for multifamily properties.

Client and partner profile

Lima One Capital works with four types of counterparties: real estate investors, mortgage brokers, mortgage loan officers, and referral partners. The company notes that it offers financing options for all of them, combining specialized programs, practical expertise, and service.

Operational advantages highlighted by the company

In its presentation, Lima One Capital emphasizes several differentiating elements:

• Capital stability: it is backed by MFA Financial, a publicly traded real estate investment trust.
• End-to-end management: from initial application to final payoff, the in-house team handles every detail.
• Practical underwriting: approvals are based on the client's credit, liquidity, and investment experience, without requiring tax returns or income analysis.
• Borrowing capacity: sets maximum exposure at up to 10 times the borrower's liquid assets.
• In-house construction management: the draw process is streamlined so funds can arrive in as little as one day.
• In-house servicing: assigns a Lima One analyst to each client to accompany them throughout the transaction.

Coverage and scale

The company operates only in the United States and does not lend in Puerto Rico or Alaska. According to data on its website, it has closed more than 30,000 loans since 2010 and has funded over $10 billion across 46 states. The company does not lend in Alaska, North Dakota, South Dakota, or Vermont.

Headquarters and contact

Lima One Capital maintains offices in Greenville (South Carolina), Irvine (California), and Charlotte (North Carolina). The headquarters is located in Greenville. The company holds NMLS license #1324403 and operates under various state licenses, including those in Arizona, Florida, Idaho, Minnesota, Nevada, Oregon, Utah, and California.

Resources for investors

The company publishes informative content on private financing and real estate investment trends, with articles on rental property ownership structures, cost segregation, and professional management of rental properties.

Locations

Main office: 300 East McBee Ave. Suite 200, Greenville, SC 29601

Irvine office: 18301 Von Karman Avenue Suite 700, Irvine, CA 92612

Charlotte office: 4108 Park Rd, Suite 106, Charlotte, NC 28209