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Lima One Capital: DSCR loans for short-term rentals

What Lima One Capital publishes about financing Airbnb and vacation rentals. Checked 2026-10-18. Lender website ↗

Published STR loan terms

How STR income is counted
Projection: Qualifies on a projection (e.g., AirDNA or a short-term rent analysis), so no booking history is needed.
Details
Dedicated STR loan underwritten using AirDNA and other STR market data.
Minimum credit score
700
Minimum DSCR
1.30
DSCR below 1.0 allowed
No
No-ratio option
Not published
Max LTV (purchase)
75%
Max LTV (cash-out refi)
70%
Minimum loan
Not published
Maximum loan
Not published
Prepayment options
Not published
States served
Not itemized (Says loans funded across 46 states (plus DC); excluded states not listed on pages checked.)
First-time investors
Not published
Channel
Direct lender

Notes: Figures are for the Short-Term Rental Loan. Standard rental loan: 660 FICO, 1.0 min DSCR, up to 80%/75% LTV, $100K-$2.5M, no investment-experience requirement for SFR rental loans.

Sources

"Not published" means we did not find the figure on the pages above. It does not mean the lender lacks a policy. Ask the lender.

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Similar lenders (Projection)

Not lending advice. Not a broker. STR Lender Watch is an independent research site. We do not make loans, arrange loans, take applications, or recommend any lender. Figures are summarized from each lender's own public pages on the date shown and can change without notice. Rate figures are estimates, not quotes. Talk to a licensed loan officer and your own advisors before making decisions.