Published terms, read October 24, 2026
Lima One Capital loan terms
Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.
Lima One: DSCR rental loans
| Term | Lima One Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $85,000 to $2,500,000 | $75,000 to $2,000,000 |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 80% LTV (75% cash-out) |
| Min FICO | 660 | 660 |
| Min DSCR | 1.00x | 1.05x |
| Experience | Not required | Not required |
| Property types | Single family, 2-9 units, warrantable condos | Single family, 2-4 units, townhomes, PUDs, warrantable condos |
Conditions: 1.20x or better gets Lima One's lowest rates and highest LTV. 30-year fixed, 5/1 and 10/1 ARMs, 5-year interest-only. The program detail page lists $100,000 to $2.5M and 1-4 units; the main rental page figures are shown here. [1] [2]
Lima One: Fix and flip loans
| Term | Lima One Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | $50,000 to $3,000,000 |
| Purchase | Up to 95% LTC | Up to 90% of price |
| Rehab | Up to 100% | Up to 100% |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | 660 | Quoted per loan |
| Experience | One exit in the last 36 months | None required |
| Term | 13, 19 or 24 months | 12 months; 18 months case by case |
Conditions: The exit can be a flip, or a sale or refinance of an investment property you were on title for. Minimum as-is value or price of $100,000. Non-recourse available. [1] [2]
Lima One: Ground-up construction loans
| Term | Lima One Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | $50,000 to $3,000,000 |
| Max LTC | Up to 90% LTC | Up to 85% of cost (90% with 3+ similar projects) |
| Max ARV | Up to 75% of ARV | Up to 70% of completed value |
| Min FICO | Not published | Quoted per loan |
| Experience | Required: ground-up (on title or as GC) or fix-and-flip | 1-2 prior ground-up builds |
| Term | 19 or 24 months | 12 months, up to 18 (up to 24 for experienced builders) at the lender's discretion |
Conditions: Vertical construction only: lots must be zoned with utilities at the lot line. An FAQ on the same page says the most experienced builders get up to 85% of blended cost (100% of construction, up to 60% of lot); the 90% LTC headline figure is shown here. [1] [2]
Where Lima One lends and who can borrow
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC | 47 states and Washington, DC. Not available in North Dakota, South Dakota or Vermont. | Business entity (LLC or corporation); full recourse | DSCR: Eligible, up to 65% LTV. Fix and flip: Eligible (some countries excluded). Construction: Eligible. |
| Lima One Capital | 46 states and Washington, DC. The excluded states are not listed on the pages read. [src] | LLC or similar entity required for business-purpose rental loans. [src] | Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][src] |
Who Lima One fits, on its published terms
- Repeat flippers. Lima One lends up to 95% of cost and 75% of ARV once you have one exit in the last 36 months.
- Rentals with 5 to 9 units, which its main rental page lists alongside 1-4 unit homes.
- Foreign nationals, including borrowers with no US credit score, on rental, flip and construction loans.
Check these before you apply
- Fix-and-flip loans need one investment-property exit in the last 36 months.
- Construction loans need ground-up or flip experience, and lots must already be zoned with utilities at the lot line.
- Its DSCR minimum is 1.00x; 1.20x or better gets its lowest rates and highest LTV.
Where our programs differ
- Flip experience: Lima One requires one exit in 36 months; our program: none required.
- Flip sizing: Lima One up to 95% of cost and 75% of ARV from $100,000; ours up to 90% of price and up to 75% of ARV, on loans of $50,000 to $3,000,000.
- DSCR: Lima One's floor is 1.00x and 660 FICO; ours is 1.05x and 660 FICO. Lima One lends from $85,000 to $2.5 million; ours $75,000 to $2,000,000.
Neither column is a quote. Every lender prices each deal, and the term sheet you get is what counts. If your deal sits near a limit in either column, send it and we will tell you which side of the line it falls on.
Head-to-heads
Sources
- Lima One: rental loans. Read October 24, 2026.
- Lima One: rental loan detail. Read October 24, 2026.
- Lima One: fix and flip loans. Read October 24, 2026.
- Lima One: fix and flip detail. Read October 24, 2026.
- Lima One: new construction loans. Read October 24, 2026.
- Lima One: new construction detail. Read October 24, 2026.
- Lima One: rental portfolio loans. Read October 24, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.