rental Loans

couple moving into their new home

Build Wealth with the Right Rental Loan

Establishing steady passive income starts with the right financing. At Lima One, we offer smart, flexible rental loan programs tailored to your investment goals and exit strategy. Our loans give you the leverage you need and the dependable capital you can count on.

Rental Loan Programs

There are several types of loan programs available, each with its own features and benefits.

Single Family Rental Loan

Whether you're focusing on a single asset, small or large portfolio, we have multiple loan programs designed to maximize your cash flo

  • One rental property, one loan
  • Loans from $75K to $2.5M
  • Flexible term and interest rate options - Interest Only or Fixed
  • Up to 80% LTV on purchase, up to 75% on rate/term refi and cash out
  • No personal income requirements
  • 1-9 units
  • Rates as low as 6.5%
  • No pre-payment penalty options available
  • Shorter seasoning period, with leverage on the full market value of their property in just 90 days.

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Portfolio Rental Loan

Acquired multiple rental properties over time? Scaling your business up from one or two properties? Our portfolio rental loan lets you consolidate multiple rental property loans into a single loan, freeing you to chase down even the most ambitious goals.

  • Two or more rental properties, one loan
  • Fixed-rate, ARMs, fully amortizing, or interest-only
  • Flexible pre-payment penalty

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Short-Term Rental Loan

Creative real estate investments call for a lender who understands the nuances and details of the deal. That’s why we offer a competitive short-term rentals program that many private lenders simply don’t have.

  • Up to 75% LTV on purchases
  • Up to 70% LTV for cash-out refinance
  • Minimum FICO 660
  • Multiple structure options to fit your unique investment strategy
  • Fixed-rate, ARMs, fully amortizing, interest only, or balloons
  • Underwrite using STR data

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Each loan program has its own unique features and requirements, so it's important to research and compare the options carefully to find the loan that best suits your financial needs and goals.

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