1st Nationwide Mortgage vs Lima One Capital
What each lender publishes about financing short-term rentals, side by side. 1st Nationwide Mortgage: 42 states/dc listed. Lima One Capital: all except ak, nd, sd, vt.
The short version
- 1st Nationwide Mortgage accepts STR history or a projection; Lima One Capital qualifies STR income on a projection.
- 1st Nationwide Mortgage has the lower minimum credit score (640 vs 700).
- 1st Nationwide Mortgage has the higher max purchase LTV (80% vs 75%).
- 1st Nationwide Mortgage has the higher max cash-out LTV (75% vs 70%).
- Lima One Capital has the lower minimum loan ($75K vs $100K).
- 1st Nationwide Mortgage has the lower minimum DSCR (1.00 vs 1.30).
- 1st Nationwide Mortgage does not publish a policy on first-time investors; Lima One Capital does not publish a policy on them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | 1st Nationwide MortgageMortgage company | Lima One CapitalDirect lender |
|---|---|---|
| STR income method | Either Lender sources · checked Oct 18, 2026 | Projection Lender sources · checked Oct 18, 2026 |
| STR income details | 12 months of actual Airbnb/VRBO/PMS income is standard; under 12 months can combine partial actuals with an AirDNA projection. See lender sources | Dedicated STR loan underwritten using AirDNA and other STR market data. See lender sources |
| Min credit score | 640 1stnwm.com · checked Oct 19, 2026 | 700 limaone.com · checked Oct 19, 2026 |
| Min DSCR | 1.00 1stnwm.com · checked Oct 19, 2026 | 1.30 limaone.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes 1stnwm.com · checked Oct 19, 2026 | No Lender sources · checked Oct 18, 2026 |
| No-ratio option | Not published | No limaone.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 80% 1stnwm.com · checked Oct 19, 2026 | 75% limaone.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 75% 1stnwm.com · checked Oct 19, 2026 | 70% limaone.com · checked Oct 19, 2026 |
| Min loan | $100K 1stnwm.com · checked Oct 19, 2026 | $75K limaone.com · checked Oct 19, 2026 |
| Max loan | $1.5M 1stnwm.com · checked Oct 19, 2026 | $2.5M limaone.com · checked Oct 19, 2026 |
| Prepayment | Not published | Flexible; a low or no prepayment penalty option is available for a higher fee and/or rate limaone.com · checked Oct 19, 2026 |
| States served | 42 states/DC listed DSCR footprint: 41 states + DC. Its STR page says it does STR DSCR in most states where it originates DSCR, so confirm for your state. 1stnwm.com · checked Oct 19, 2026 | All except AK, ND, SD, VT Does not lend in AK, ND, SD or VT; 46 states + DC. limaone.com · checked Oct 19, 2026 |
| First-time investors | Not published | Not published |
| Channel | Mortgage company | Direct lender |
| Last verified |
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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.