Lima One Capital vs Newfi Wholesale
What each lender publishes about financing short-term rentals, side by side. Lima One Capital: all except ak, nd, sd, vt. Newfi Wholesale: licensed in 49 states/dc.
The short version
- Lima One Capital qualifies STR income on a projection; Newfi Wholesale accepts STR history or a projection.
- Newfi Wholesale has the lower minimum credit score (640 vs 700).
- Both publish a 75% max purchase LTV.
- Newfi Wholesale has the higher max cash-out LTV (75% vs 70%).
- Lima One Capital has the lower minimum loan ($75K vs $125K).
- Newfi Wholesale has the lower minimum DSCR (1.00 vs 1.30).
- Lima One Capital does not publish a policy on first-time investors; Newfi Wholesale allows 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 | Newfi WholesaleWholesale |
|---|---|---|
| STR income method | Projection Lender sources · checked Oct 18, 2026 | Either newficorrespondent.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: 12-month lookback, 80% of gross receipts. Projection: Purchases: 1007 STR, AirDNA Rentalizer (score/occupancy minimums) or rental data, at 80%; experienced investors only. STR min DSCR above 1.00. STR max LTV 75%. newficorrespondent.com · checked Oct 19, 2026 |
| Min credit score | 700 limaone.com · checked Oct 19, 2026 | 640 newfiwholesale.com · checked Oct 19, 2026 |
| Min DSCR | 1.30 limaone.com · checked Oct 19, 2026 | 1.00 newfiwholesale.com · checked Oct 19, 2026 |
| DSCR below 1.0 | No Lender sources · checked Oct 18, 2026 | No newfiwholesale.com · checked Oct 19, 2026 |
| No-ratio option | No limaone.com · checked Oct 19, 2026 | No newfiwholesale.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 75% limaone.com · checked Oct 19, 2026 | 75% newfiwholesale.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% limaone.com · checked Oct 19, 2026 | 75% newfiwholesale.com · checked Oct 19, 2026 |
| Min loan | $75K limaone.com · checked Oct 19, 2026 | $125K newfiwholesale.com · checked Oct 19, 2026 |
| Max loan | $2.5M limaone.com · checked Oct 19, 2026 | $3M newfiwholesale.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 | 1-5 years: 6 months' interest, fixed 5%, or 5/4/3/2/1 step-down; not allowed in AK, DC, IL, MD, MI, MS, NM, RI, VT newfiwholesale.com · checked Oct 19, 2026 |
| Reserves | Not published | 3 months PITI up to $1.5M; 6 months above $1.5M; 9 months above $2M; novice investors 6 months; STR under 60% occupancy needs 9 months; loan proceeds may count newfiwholesale.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 | Licensed in 49 states/DC Licensing page (Nexera Holding LLC dba Newfi) lists 48 states + DC; site is not approved for use in New York. DSCR footprint is not itemized separately. newfi.com · checked Oct 19, 2026 |
| First-time investors | Not published | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Direct lender | Wholesale |
| 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.