Lima One Capital is one of the most recognized names in investor lending — fix & flip, DSCR, and ground-up construction, backed by publicly-traded MFA Financial. LendingStreet brokers across 30+ capital sources, including lenders like Lima One. Here's how to choose.
The short answer: Lima One Capital, founded 2010 and backed by REIT MFA Financial, offers fix & flip (up to 92.5% LTC / 75% LTV / 100% rehab), new construction (up to 90% LTC / 70% LTARV), Bridge Plus (up to 85% LTV), and DSCR rentals (up to 80% LTV). They carry an A+ BBB rating, $2B+ funded, a 660 minimum FICO, and a published minimum-experience requirement on fix & flip.
LendingStreet is a licensed broker (NMLS #1734316) with 30+ direct capital sources, including investor lenders similar to Lima One. When your deal fits Lima One's box, they're a strong, institutionally-backed option. When you need higher leverage, lower credit, sub-1.0 DSCR, first-time-investor placement, or products beyond their lineup, LendingStreet's network has more paths.
| Factor | LendingStreet | Lima One |
|---|---|---|
| Business model | Licensed broker, 30+ capital sources | Direct lender (MFA Financial-backed) |
| Founded | JRS Home Loans LLC, NMLS #1734316 | 2010, Greenville SC |
| Products | DSCR, F&F, Bridge, Construction, Commercial, Multifamily, Blanket, Gap | F&F, DSCR, New Construction, Bridge Plus |
| States served | 48 states | 47 states |
| Track record | $4.36B across 8,196 deals | $2B+ funded, A+ BBB |
| Criterion | LendingStreet | Lima One |
|---|---|---|
| Fix & Flip max LTC | Up to 100% via select sources | Up to 92.5% LTC / 75% LTV |
| Rehab financing | 100% of rehab (varies) | 100% of rehab budget |
| New construction LTC | Custom via network | Up to 90% LTC / 70% LTARV |
| DSCR minimum | Sub-1.0 (down to 0.75); no-ratio available | 1.0-1.20+ |
| Minimum credit | 620 floor (varies) | 660 (some products 600) |
| Experience requirement | First-time investors placeable | Min 1 exit in 36 months (fix & flip) |
| Bridge | Up to 80% LTV | Bridge Plus up to 85% LTV, no prepay |
Sources: limaone.com, HonestCasa Lima One review, Real Estate Skills (May 2026). LendingStreet terms from internal documentation.
We want to be honest: there are real scenarios where Lima One is the better choice, and we'd tell investors so. Specifically:
How each lender's strengths play out in practice. Scenarios are based on real LendingStreet-closed deals with details anonymized.
Flipper with three completed exits, 700 credit, standard fix & flip needing 90% LTC. Lima One is a strong choice — their experience-based pricing and 100% rehab coverage fit this profile well.
Strong borrower but no completed flips. Lima One's minimum-experience requirement is a hurdle. LendingStreet placed a comparable deal through a source that welcomes first-time investors.
Tight deal requiring 100% loan-to-cost. Lima One caps at 92.5% LTC. LendingStreet reached 100% LTC through a select capital source on a qualified deal.
No. Lima One is a direct lender backed by MFA Financial. LendingStreet is a licensed broker (NMLS #1734316) placing loans across 30+ direct lenders, including investor lenders similar to Lima One.
Lima One offers up to 92.5% LTC / 75% LTV with 100% rehab. LendingStreet reaches up to 100% LTC / 80% ARV through select capital sources on qualified deals.
Lima One requires at least one exit in the prior 36 months for fix & flip. LendingStreet can place first-time investors through sources without an experience requirement.
Lima One's typical minimum is 660 (some products 600). LendingStreet's network includes a 620 floor with case-by-case review below.
For experienced flippers with 660+ credit and prior exits, or investors wanting institutional MFA-backed stability and high construction LTC from a single lender.
One application, one credit pull, multiple lender options. See if your deal qualifies for better terms than a single direct lender can offer.
Get Pre-Qualified → Browse Loan ProgramsAbout this comparison: Information about Lima One Capital was sourced from limaone.com and independent reviews including HonestCasa and Real Estate Skills as of May 2026. Loan terms, rates, and underwriting change frequently — verify current terms directly with each lender before deciding.
About LendingStreet: LendingStreet is the d/b/a of JRS Home Loans LLC, NMLS #1734316. We are a licensed mortgage broker, not a direct lender. We place loans through 30+ direct capital sources. LendingStreet earns a broker fee on placed loans. Loan availability, rates, and terms vary by deal, borrower qualifications, and capital source. All loan offerings subject to underwriting and qualification. This comparison reflects publicly available information and our broker experience.
Last updated: · Refreshed quarterly with updated competitor terms.
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