Lima One Capital
Lima One Capital Review 2026
RRE REVIEW –
4/5
USER REVIEWS –
Lima One Capital Overview
What is Lima One Capital?
Lima One Capital is a national private lender for residential real estate investors, offering DSCR rental loans, fix-and-flip bridge loans, ground-up new construction financing, and multifamily bridge loans for 5 unit properties. The company is a wholly-owned subsidiary of MFA Financial, Inc. (NYSE: MFA) and benefits from public REIT capital backing combined with in-house origination, underwriting, appraisal management, servicing, and construction draw teams. Lima One Capital lends across all 50 states and has funded over $8 billion in business purpose loans since inception, with a particularly strong reputation among ground-up construction and BRRRR-strategy investors.
Lima One Capital Products & Services
Lima One Capital offers a comprehensive suite of business purpose loans designed exclusively for residential real estate investors. The DSCR rental loan program qualifies properties based on rental income with 30-year fixed terms, rates starting at 7%, loan amounts from $75,000 to $5 million, and uniquely finances 5 to 8-unit properties under residential DSCR underwriting. The fix-and-flip program offers 13-month bridge financing with 7 to 10-day closing timelines. Ground-up new construction lending has become the company’s fastest-growing product, particularly for urban infill flippers building from scratch. Additional products include single-family rental portfolio loans, multifamily bridge financing for 5 unit properties, and in-house construction draw servicing.
Lima One Capital Features
| Feature | Details |
|---|---|
| NYSE-Listed REIT Subsidiary | Wholly-owned subsidiary of MFA Financial (NYSE: MFA), providing public REIT capital backing for loan funding. |
| Full Investor Product Suite | DSCR rental, fix-and-flip, ground-up construction, single-family portfolio, and multifamily bridge loans on one platform. |
| $8 Billion In Funded Loans | Over $8 billion in business purpose loans funded since 2011 inception across all 50 states. |
| Vertically Integrated Platform | Handles applications, underwriting, appraisal management, servicing, and construction draws all in-house without third-party delays. |
| Industry Award Recognition | 2023 NPLA Capital Provider of the Year, Inc. 5000 fastest-growing company, multi-year Best Place to Work. |
Lima One Capital Reviews
Lima One Capital Review by RentalRealEstate
4/5
Cost – 4
Ease-of-Use – 4
Customer Service – 4
Tools and Resources – 4
Lima One Capital is one of the most institutionally credible private lenders in the real estate investor space, anchored by ownership under NYSE-listed REIT MFA Financial. What stands out most is the vertically integrated platform: in-house sales, underwriting, appraisal management, servicing, and construction draw teams that eliminate third-party coordination delays. The company has earned strong industry recognition including 2023 NPLA Capital Provider of the Year and multi-year Top Workplace designations. Coverage in all 50 states, $8 billion in cumulative originations, and a flagship ground-up construction lending program reinforce the institutional depth. The tradeoff is that pricing is competitive but not the lowest in the DSCR segment.
Pros:
- Owned by NYSE-listed REIT MFA Financial
- $8 billion in funded loans since 2011
- All 50 states coverage with full product suite
Cons:
- Not the lowest rates in DSCR segment
- Less name recognition than Kiavi in fix-and-flip
- Longer DSCR closing timelines than some competitors
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Lima One Capital User Reviews
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Lima One Capital Alternatives
Lima One Capital FAQ
Is Lima One Capital Legitimate?
Yes, Lima One Capital is a legitimate private lender founded in 2011 by US Marine veterans John Warren and John Thompson, headquartered in Greenville, South Carolina. Now a wholly-owned subsidiary of MFA Financial (NYSE: MFA), the company has funded over $8 billion in loans across all 50 states.
Who Owns Lima One Capital?
Lima One Capital is a wholly-owned subsidiary of MFA Financial, Inc. (NYSE: MFA), a publicly-traded real estate investment trust. The company was founded in 2011 by US Marine veterans John Warren and John Thompson and is currently led by CEO Jeff Tennyson. MFA completed the acquisition in July 2021 from prior owner Magnetar Capital.
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