Lima One Capital vs Logan Finance
What each lender publishes about financing short-term rentals, side by side. Lima One Capital: all except ak, nd, sd, vt. Logan Finance: not itemized.
The short version
- Lima One Capital qualifies STR income on a projection; Logan Finance needs 12 months of STR history.
- Both publish a 700 minimum credit score.
- 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 $150K).
- Logan Finance has the lower minimum DSCR (1.00 vs 1.30).
- Lima One Capital does not publish a policy on first-time investors; Logan Finance does not allow them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Lima One CapitalDirect lender | Logan FinanceWholesale / correspondent |
|---|---|---|
| STR income method | Projection Lender sources · checked Oct 18, 2026 | 12-month history loganfinance.com · checked Oct 19, 2026 |
| STR income details | Dedicated STR loan underwritten using AirDNA and other STR market data. See lender sources | 12-month history: Refi: lower of appraisal market rent or 12-month STR history (third-party manager verified); no % factor published. Projection: Purchase: appraisal market rent (long-term), not STR projections. STR max LTV 75%. loganfinance.com · checked Oct 19, 2026 |
| Min credit score | 700 limaone.com · checked Oct 19, 2026 | 700 loganfinance.com · checked Oct 19, 2026 |
| Min DSCR | 1.30 limaone.com · checked Oct 19, 2026 | 1.00 loganfinance.com · checked Oct 19, 2026 |
| DSCR below 1.0 | No Lender sources · checked Oct 18, 2026 | No loganfinance.com · checked Oct 19, 2026 |
| No-ratio option | No limaone.com · checked Oct 19, 2026 | No loganfinance.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 75% limaone.com · checked Oct 19, 2026 | 75% loganfinance.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% limaone.com · checked Oct 19, 2026 | 70% loganfinance.com · checked Oct 19, 2026 |
| Min loan | $75K limaone.com · checked Oct 19, 2026 | $150K loganfinance.com · checked Oct 19, 2026 |
| Max loan | $2.5M limaone.com · checked Oct 19, 2026 | $1.5M loganfinance.com · checked Oct 19, 2026 |
| Prepayment | Flexible; a low or no prepayment penalty option is available for a higher fee and/or rate limaone.com · checked Oct 19, 2026 | Required; 1-5 year options loganfinance.com · checked Oct 19, 2026 |
| States served | All except AK, ND, SD, VT Does not lend in AK, ND, SD or VT; 46 states + DC. limaone.com · checked Oct 19, 2026 | Not published |
| First-time investors | Not published | No loganfinance.com · checked Oct 19, 2026 |
| Channel | Direct lender | Wholesale / correspondent |
| 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.