Lima One Capital Review 2026: Fix & Flip, New Construction, Bridge and Rental Loans
By Greg Wilson, commercial loan broker and publisher of Lender Tribune · Last verified November 3, 2026
About Lima One Capital
Lima One is backed by MFA Financial, a publicly traded REIT. It is headquartered in Greenville, South Carolina with an office in Irvine, California.
Lima One approves borrowers on credit, liquidity and investment experience rather than tax returns. It sets maximum exposure at up to 10 times your liquid assets, which matters more for scaling investors than any single-loan LTV.
Lima One Capital loan programs at a glance
| Program | Loan size | Leverage / requirements | Term | Pricing and notes |
|---|---|---|---|---|
| FixNFlip (incl. Fix2Rent, Bridge Plus) | Contact Lima One | Covers rehab costs; terms 13, 19 or 24 months per notes on file | 13–24 months | Experience drives pricing |
| New Construction / Build2Rent | Contact Lima One | Infill, shovel-ready, fully entitled land | Short-term into rental | Build2Rent rolls into long-term debt |
| Bridge Plus | Contact Lima One | For builders and rental investors | Short-term | |
| Rental (single, portfolio, short-term) | Contact Lima One | Up to 80% LTV on portfolios (notes on file) | 30-year (Rental30) | |
| Multifamily | Contact Lima One | 5–100 units per notes on file | Bridge and term |
Programs, states and exposure limit from limaone.com, checked November 3, 2026. The site does not publish rates or loan sizes; figures marked “on file” come from Lender Tribune lead notes, so confirm with Lima One.
Who Lima One Capital fits best
- Investors who flip some homes and keep others (Fix2Rent)
- Builders putting up rental homes (Build2Rent)
- Borrowers with strong liquidity, since exposure scales with liquid assets
What to check before you apply
- No lending in AK, ND, SD or VT, or in Puerto Rico.
- New investors typically pay higher rates than experienced ones.
- Business-purpose only.
Send one loan request and we will match your deal with lenders in the Lender Tribune directory that fit it.
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Frequently asked questions
Who backs Lima One Capital?
Lima One says it is backed by MFA Financial, a publicly traded real estate investment trust.
Where does Lima One not lend?
Lima One does not lend in Alaska, North Dakota, South Dakota, Vermont or Puerto Rico.
Does Lima One require tax returns?
Lima One says approvals are based on credit, liquidity and experience, without tax returns or income analysis.
Sources
- Lima One Capital homepage (checked November 3, 2026)
- Lender program materials on file with Lender Tribune, as dated in the table note above
