Acra Lending vs Lima One Capital
What each lender publishes about financing short-term rentals, side by side. Acra Lending: all except ak, nd, sd. Lima One Capital: all except ak, nd, sd, vt.
The short version
- Acra Lending needs 12 months of STR history; Lima One Capital qualifies STR income on a projection.
- Acra Lending has the lower minimum credit score (640 vs 700).
- Both publish a 75% max purchase LTV.
- Both publish a 70% max cash-out LTV.
- Lima One Capital has the lower minimum loan ($75K vs $100K).
- Only Lima One Capital publishes a minimum DSCR (1.30).
- Acra Lending 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 | Acra LendingWholesale | Lima One CapitalDirect lender |
|---|---|---|
| STR income method | 12-month history Lender sources · checked Oct 18, 2026 | Projection Lender sources · checked Oct 18, 2026 |
| STR income details | STR allowed case-by-case. Refinances need 12-month rental-agency ledgers; purchases use the appraiser's market rent under standard DSCR rules. See lender sources | Dedicated STR loan underwritten using AirDNA and other STR market data. See lender sources |
| Min credit score | 640 api.acralending.com · checked Oct 19, 2026 | 700 limaone.com · checked Oct 19, 2026 |
| Min DSCR | Not published | 1.30 limaone.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes api.acralending.com · checked Oct 19, 2026 | No Lender sources · checked Oct 18, 2026 |
| No-ratio option | Yes api.acralending.com · checked Oct 19, 2026 | No limaone.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 75% api.acralending.com · checked Oct 19, 2026 | 75% limaone.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% api.acralending.com · checked Oct 19, 2026 | 70% limaone.com · checked Oct 19, 2026 |
| Min loan | $100K api.acralending.com · checked Oct 19, 2026 | $75K limaone.com · checked Oct 19, 2026 |
| Max loan | $3M api.acralending.com · checked Oct 19, 2026 | $2.5M limaone.com · checked Oct 19, 2026 |
| Prepayment | 1-5 year options (fixed or 5/4/3/2/1 step-down) or no prepay api.acralending.com · checked Oct 19, 2026 | 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 | All except AK, ND, SD Lender sources · checked Oct 18, 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 | Wholesale | 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.