RTL Fix-and-Flip & Bridge Lender · MFA-Backed Business-Purpose Lending Shelf

Lima One Capital — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Lima One Capital (wholly owned by MFA Financial) provides business-purpose rental, portfolio, fix-and-flip, and ground-up construction financing across 46+ states.

2026 Rate Band
6.500% – 8.875%
Max Purchase LTV
80% DSCR / 90% RTL LTC
Max Cash-Out LTV
75% DSCR
Min DSCR / FICO
1.00x – 1.20x · 660+
Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Lima One Capital Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Lima One Capital against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Compare Against 45+ Shelves →Audit Term Sheet

Lima One Capital — Institutional Underwriting Matrix

Headquarters & FootprintGreenville, SC
Loan Amount Range$100,000 – $10,000,000
Typical Closing Window14 – 21 Business Days
Prepayment Penalty Options5-Yr, 3-Yr Step-Down or Declining
Eligible Entity VestingLLC, LP, Corporation
Core Program Specialties
  • Single-Family Rental (SFR) Portfolios
  • New Construction Spec Builds
  • Value-Add Multifamily Bridge

Compare Other Verified Institutional Lenders

Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk)
6.125% – 7.875% · 80% (85% CLTV w/ Seller Carry)
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Kiavi (Formerly LendingHome)
6.625% – 9.750% · 80% DSCR / 90% RTL LTC
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Roc Capital (Roc360)
6.375% – 8.625% · 80% DSCR / 85% RTL LTC
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Visio Lending
6.625% – 8.500% · 80% LTV
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CoreVest American Finance
6.375% – 8.500% · 80% LTV
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Velocity Mortgage Capital
6.500% – 8.750% · 80% LTV
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Angel Oak Mortgage Solutions
6.250% – 8.250% · 80% LTV (85% Select Tiers)
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Acra Lending ( Citadel Servicing )
6.250% – 8.375% · 80% LTV
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Anchor Loans
7.990% – 10.250% · 85% – 90% LTC (100% Rehab)
View Credit Box →

Browse Active States & Programs on Stephen R. Mannenbach, J.D., MBA · Loan Daddy LLC

DSCR LoansHard Money LoansPrivate Money LoansFix & Flip LoansBridge LoansGround-Up ConstructionMultifamily (5+ Units)Commercial PropertyRehab & BRRRR LoansCash-Out RefinanceAlabama (AL)Alaska (AK)Arizona (AZ)Arkansas (AR)California (CA)Colorado (CO)Connecticut (CT)Delaware (DE)District of Columbia (DC)Florida (FL)Georgia (GA)Hawaii (HI)

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Lima One Capital — 2026 DSCR, LTV & Credit-Box Review | Stephen R. Mannenbach, J.D., MBA · Loan Daddy LLC | Stephen Mannenbach