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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
Wholesale Par DSCR & Non-QM Execution
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 at Loan Daddy LLC (NMLS #2827624) to benchmark Lima One Capital against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

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

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Lima One Capital — 2026 DSCR, LTV & Credit-Box Review | XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals