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Lima One Capital Review – Do Nothing Until You Read Our Reliable Research

Reviewed by Ty Crandall

November 14, 2023
Lima One Capital review Credit Suite

It’s no secret that finding a lender is difficult, at best.  The number of factors to consider when choosing between financing businesses can be overwhelming, and when you add in the scam factor related to online lenders, the decision can be downright scary.  Not all online lenders are bad though.  It’s important to read reviews from reliable sources when choosing the best financing businesses for you.

Our Lima One Capital review is a good start.  Note: Lenders’ credit score requirements and interest rates can change without notice.  We work hard to keep things up to date, but be sure to check these types of details yourself as well.

Our Bankable Lima One Capital Review Helps You Make Your Best Possible Financial DecisionLima One Capital review Credit Suite

When it comes to real estate investments, there are a few options. You can flip houses, manage rental property, or some combination of both. One thing is for sure however, and that is that you almost always need financing. Our Lima One Capital review should help.

In recent years a ton of online real estate investment lending institutions have popped up. These differ from the crops of alternative lenders that have broken digital ground. Instead of business loans, they deal only in real estate lending.

Also, while most of the hard stuff is available to handle online, brick and mortar offices do exist.

They are similar in many respects also. As already mentioned, most of the forms are available online. Application and approval can often all happen with an online form. These companies also may allow for a lower credit score than a traditional bank would require for approval.

The biggest difference is that these companies deal only in real estate investments. As such, there are certain things that cannot happen online, such as inspections and appraisals. If you are considering getting into real estate investment, or if you are already in the business but looking for a new lender, this could be it.  You’ll have a better idea after reading our Lima One Capital Review.

We took an in depth look at their mission, policies, and products so you could make an informed decision. Our research for this  Lima One Capital Review should help you decide if it will work for you. Before you can figure that out, especially if you are new to real estate investment, it may be helpful to have a quick reminder of  how the process works.

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What is Real Estate Investment?

When you get down to the nitty gritty, real estate investment is simply purchasing real estate for the sole purpose of generating profit. This can happen in a couple of different ways though. Here are your options, and what you should consider.

House Flipping

You see this on all the DIY channels. You buy a home dirt cheap, fix it up, and resell it for a profit. It sounds simple and fun, but there is much more to it. The first roadblock is almost always funding. You have to have the money to buy it in the first place.

Most often, house flipping financing is short-term, like 13 to 24 months. That isn’t a ton of time to fix it up and get it sold, and you have to rely on the contractor’s time table. It is very profitable for a lot of people, but the stars have to align perfectly.

The greatest issue seen in most house flips is location. You can buy a great house at a great price and fix it up to an even better house that should sell for much more, but if it isn’t located in a place where people want to live, you are going to end up with a house that won’t turn a profit, or worse yet, won’t sell at all.  

When looking at a home purchase for a flip, you have to consider location. Not doing so could be deadly to your finances.


There are a couple of different options here as well, but when most folks think rentals, they are thinking about buying houses to rent out to others. It can be quite the money-making endeavor if you are in the right place at the right time.

Every town needs rental property, but the type of rental property needed may differ vastly. For example, a college town is going to need property that is clean, livable, and able to fit several roommates to maximize cost effectiveness.

A booming metropolis will need a good mix of rental properties for young professionals and young families coming to the area for work. The singles will want something trendy and close to the action, while the families will be looking for size, stability, and something a little lower key. This would be the difference between a downtown loft and a three-bedroom two bath in the suburbs.

In the college town, smaller homes and duplexes are going to be key. If you own a ton of family homes, you may run into issues. If you are in a town that a lot of families are moving to however, those family rentals could be a gold mine.

Location really is key.

Apartments are also a good bet if you want to get into rentals, but you still have to exercise caution. You want a complex that already generates a profit on the front end. Do not ignore the need for upkeep or maintenance either. Both are vital regardless of what type of rental you own, but apartments can be a little more difficult to manage due to sheer volume.

Lima One Capital Review: Financing 

The type of financing that you need for each type of real estate investment is different. Your business situation can make a difference as well. Here is what our Lima One Capital Review uncovered about what they have to offer.

Fix N Flip

This is the house flipping loan available through Lima One Capital. It is a 13-month term loan up to 75% of ARV for 90% of purchase or rehab. There is no prepay penalty, and the minimum credit score necessary for approval is 600. This is pretty low, meaning your credit doesn’t have to be perfect to get started.  

While this type of loan can open up many opportunities, it is important to remember that there are some major risks involved with house flipping. It is important to take this and the short loan term into consideration on the front end.

This is why it is important to remember that location is just as important as other factors when house flipping. If you have a great house and your budget is divine, but the house is in a part of town that no one is buying in, you are going to have issues.

Bridge Plus

The Bridge Plus loan is available to those who have 5 or more successful home flips in the past 2 years. It is a lower interest option for a quick purchase or refinance for resale. The term is still 13 months, but the funds are more readily available and again, lower interest, due to proven success in the industry.

Construction Loans

If you are planning to do major work or build a structure for residential rental, this is the loan you would go for. You must already own the investment property or lot. This is a 70% ARV with a 13-month term.

Cash Out Loan

This loan is for those that already own property and want to leverage it. It is 0% down, with a 50% loan to “as-is” value. The term is 13 months.

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Lima One Capital Review: Rental Financing

If you are looking at investment property to run as a rental rather than resale, Lima One has several options.

Rental 30

This option is open to all experience levels for purchase, refinance, or cash out. It is a 30-year term with interest ranging from 5.75% to 8.025%. The minimum amount available is $50,000 and the maximum is $1,000,000. There is no debt to income requirement for the borrower, and the minimum credit score required is 660.

Rental Premium

The Rental Premium product is a loan available with a 30-year term or with a 5/1 or 10/1 loan option. The property has to have a value of at least $60,000. The minimum credit score for eligibility is 660.

Rental 2-1

This is a loan for rental property with a 2-year term and the option for a 1-year extension. The minimum loan amount is $50,000, and the maximum is $2.5 M. The 660 minimum credit score stands.

Multi Family Loan Overview

If you are going to buy multifamily rental property, this loan could be just the ticket. A 2-year term with no prepayment penalty highlights the offering. Interest ranges from 8.99% to 10%. The funds range from $250,000 to 5,000,000.

With most of these loans you also have the potential to cross-collateralize any property you already own or have under an existing loan with Lima One Capital.

Lima One Capital Reputation

We couldn’t write a Lima One Capital Review without checking them out on the Better Business Bureau website.  According to the BBB, Lima One has been in business since 2010. They do have 5 complaints recorded, but over 8 years that is actually pretty impressive. Most of the complaints relate to issues dealing with individual staff members. They are not related to company policy or normal ways of doing business. They have an A+ rating.

In addition, they made the top real estate lenders as issued by Fit Small Business in June of 2020.

They offer loans in 40 states.

Lima One Capital Review: What Else do You Need to Know?

Most real estate loans, regardless of the lender, require 20% down. This can come from multiple sources, including loans from other lenders, leveraging properties you already own, gifts, or personal funds.

Location matters. I have mentioned this already. You cannot just buy cheap property to flip without thinking about why it is cheap. The same goes for rentals. What kind of renters will you get in the area? Will they pay? Location is a key element that you should not ignore.

When you have a construction loan, it may cost you to make draws. Sometimes it can cost as much as $200 to make a construction draw. This is standard, but you need to be sure to add it to your budget, and manage your construction draws accordingly.

Budgets are important. That will go without saying to many, but just in case you weren’t sure, you need to have a budget and stick to it. It will pay off in the end.

Don’t over improve. You want to increase the value of the property, but stay aware of what your market can handle. Custom cabinets and marble counters are fabulous, but if those buying in that area cannot afford them, you are only going to lose money. Pay attention to the market in a particular location and what it can handle.

Along those lines, consider whether you are selling versus renting. If you are improving a property for rent, you need to pay closer attention to durability.

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Lima One Capital Review: Conclusion

Overall, the result of this Lime One Capital Review is a rating of  4 out of 5 stars. They know their business and generally offer great customer service. The lacking star is due only to the issue there seems to be on occasion with company-wide communication. However, they address each complaint on the BBB website in a timely manner, and there are not a lot of those complaints. If you are looking at real estate investments, Lima One Capital isn’t a bad place to start.

Now that you have read our Lima One Capital Review, you should be able to make a more educated decision about a lender.  If you are serious about breaking into real estate investment, or if you are an established investor looking for more funding options, we would love to help. 

About the author 

Faith Stewart

Faith has a BBA with a major in Accounting, and a combined 20 years of experience in the fields of finance and account.

Before switching to writing, she spent 10 years working in various areas of small business and personal finance and accounting, including working as a public auditor at BKD, LLP, Financial Director at Central Arkansas Development Council, and Commercial Credit Analyst at Farmer's Bank and Trust.

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