Lima One Capital vs Quickline Capital
What each lender publishes about financing short-term rentals, side by side. Lima One Capital: all except ak, nd, sd, vt. Quickline Capital: all 50 states.
The short version
- Both qualify STR income on a projection.
- Quickline Capital has the lower minimum credit score (660 vs 700).
- Quickline Capital has the higher max purchase LTV (80% vs 75%).
- Quickline Capital has the higher max cash-out LTV (75% vs 70%).
- Lima One Capital has the lower minimum loan ($75K vs $100K).
- Quickline Capital has the lower minimum DSCR (0.75 vs 1.30).
- Lima One Capital does not publish a policy on first-time investors; Quickline Capital 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 | Quickline CapitalLender |
|---|---|---|
| STR income method | Projection Lender sources · checked Oct 18, 2026 | Projection Lender sources · checked Oct 18, 2026 |
| STR income details | Dedicated STR loan underwritten using AirDNA and other STR market data. See lender sources | Uses AirDNA Rentalizer projections to qualify properties not yet operating as STRs. See lender sources |
| Min credit score | 700 limaone.com · checked Oct 19, 2026 | 660 quicklinecapital.com · checked Oct 19, 2026 |
| Min DSCR | 1.30 limaone.com · checked Oct 19, 2026 | 0.75 quicklinecapital.com · checked Oct 19, 2026 |
| DSCR below 1.0 | No Lender sources · checked Oct 18, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| No-ratio option | No limaone.com · checked Oct 19, 2026 | Not published |
| Max LTV (purchase) | 75% limaone.com · checked Oct 19, 2026 | 80% quicklinecapital.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% limaone.com · checked Oct 19, 2026 | 75% quicklinecapital.com · checked Oct 19, 2026 |
| Min loan | $75K limaone.com · checked Oct 19, 2026 | $100K quicklinecapital.com · checked Oct 19, 2026 |
| Max loan | $2.5M limaone.com · checked Oct 19, 2026 | $2M quicklinecapital.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 | Not published |
| 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 | All 50 states Quickline's own pages disagree: the STR page says all 50 states, the home page says 45 states and the DSCR rental page says 43 states. None lists which states. Confirm for your state. Lender sources · checked Oct 18, 2026 |
| First-time investors | Not published | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Direct lender | 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.