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Lima One Capital alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with Lima One Capital on the core loan terms both lenders publish. Each figure links to the lender page it came from, with the date we checked it.

Read this first

Based on published terms only; rates and pricing aren't compared. Confirm with each lender. A term one side doesn't publish is “not comparable (not published)” and doesn't count either way. Nothing here is a ranking.

At least as flexible on every shared term
2
More flexible on some terms
20
Direct lenders compared
24
Checked
Oct 22, 2026

What Lima One Capital publishes

The terms every alternative below is compared against. Verified from lender's own page on Oct 22, 2026

Lima One Capital published core terms
TermLima One Capital
Min credit score660source · Oct 22, 2026
Min DSCR1.30source · Oct 22, 2026
DSCR below 1.0Nosource · Oct 22, 2026
No-ratio optionNosource · Oct 22, 2026
Max LTV (purchase)75%source · Oct 22, 2026
Max LTV (cash-out)70%source · Oct 22, 2026
Min loan$75Ksource · Oct 22, 2026
Max loan$2.5Msource · Oct 22, 2026
STR income methodProjectionsource · Oct 22, 2026
First-time investorsNot published
States servedAll except AK, ND, SD, VTsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Lima One Capital on every term both lenders publish, with at least 3 terms in common. ✓ = more flexible, = = the same. Sorted by how many terms can be compared, then how many are more flexible.

Lendmire 5 more flexible · 3 same · 8 compared

Lendmire compared with Lima One Capital on terms both publish
TermLima One CapitalLendmirevs Lima One Capital
Min credit score660620source · Oct 22, 2026more flexible
Min DSCR1.301.00source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
No-ratio optionNoYessource · Oct 22, 2026more flexible
Max LTV (purchase)75%75%source · Oct 22, 2026same
Max LTV (cash-out)70%70%source · Oct 22, 2026same
Max loan$2.5M$3Msource · Oct 22, 2026more flexible
STR income methodProjectionEithersource · Oct 22, 2026same

Not comparable (not published by one or both): Min loan, First-time investors, States served.

Lendmire lender pageCompare Lima One Capital and Lendmire

Truss Financial Group 3 more flexible · 0 same · 3 compared

Truss Financial Group compared with Lima One Capital on terms both publish
TermLima One CapitalTruss Financial Groupvs Lima One Capital
Min credit score660650source · Oct 22, 2026more flexible
No-ratio optionNoYessource · Oct 22, 2026more flexible
Max loan$2.5M$30Msource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, DSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method, First-time investors, States served.

Truss Financial Group lender pageCompare Lima One Capital and Truss Financial Group

More flexible on some terms

More flexible than Lima One Capital on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off. Showing 8 of 20.

Newfi Wholesale 10 terms compared

  • More flexibleMin credit score: 640 vs 660; Min DSCR: 1.00 vs 1.30; Max LTV (cash-out): 75% vs 70%; Max loan: $3M vs $2.5M
  • Less flexibleMin loan: $125K vs $75K
  • DifferentStates served: lists 4 states (AK, ND, SD, VT) Lima One Capital doesn't, but not 2 states (MA, NY) Lima One Capital lists
  • SameDSCR below 1.0, No-ratio option, Max LTV (purchase), STR income method
  • Not comparable (not published)First-time investors

Values: Newfi Wholesale first, then Lima One Capital. Sources and check dates are on each lender page.

Newfi Wholesale lender pageCompare Lima One Capital and Newfi Wholesale

Griffin Funding 9 terms compared

  • More flexibleMin credit score: 620 vs 660; DSCR below 1.0: Yes vs No; No-ratio option: Yes vs No; Max LTV (purchase): 85% vs 75%; Max LTV (cash-out): 75% vs 70%; Max loan: $4.5M vs $2.5M; States served: All 50 states + DC vs All except AK, ND, SD, VT
  • Less flexibleMin loan: $100K vs $75K
  • SameSTR income method
  • Not comparable (not published)Min DSCR, First-time investors

Values: Griffin Funding first, then Lima One Capital. Sources and check dates are on each lender page.

Griffin Funding lender pageCompare Lima One Capital and Griffin Funding

LendSure Mortgage 9 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.30; DSCR below 1.0: Yes vs No; No-ratio option: Yes vs No; Max LTV (purchase): 85% vs 75%; Max LTV (cash-out): 75% vs 70%; Max loan: $3M vs $2.5M
  • DifferentStates served: lists 4 states (AK, ND, SD, VT) Lima One Capital doesn't, but not 1 state (NY) Lima One Capital lists
  • SameMin credit score, STR income method
  • Not comparable (not published)Min loan, First-time investors

Values: LendSure Mortgage first, then Lima One Capital. Sources and check dates are on each lender page.

LendSure Mortgage lender pageCompare Lima One Capital and LendSure Mortgage

1st Nationwide Mortgage 9 terms compared

  • More flexibleMin credit score: 640 vs 660; Min DSCR: 1.00 vs 1.30; DSCR below 1.0: Yes vs No; Max LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMin loan: $100K vs $75K; Max loan: $1.5M vs $2.5M
  • DifferentStates served: lists 1 state (AK) Lima One Capital doesn't, but not 6 states (HI, MI, MN, NV, NY, UT) Lima One Capital lists
  • SameSTR income method
  • Not comparable (not published)No-ratio option, First-time investors

Values: 1st Nationwide Mortgage first, then Lima One Capital. Sources and check dates are on each lender page.

1st Nationwide Mortgage lender pageCompare Lima One Capital and 1st Nationwide Mortgage

Acra Lending 9 terms compared

  • More flexibleMin credit score: 640 vs 660; DSCR below 1.0: Yes vs No; No-ratio option: Yes vs No; Max loan: $3M vs $2.5M; States served: All except AK, ND, SD vs All except AK, ND, SD, VT
  • Less flexibleMin loan: $100K vs $75K; STR income method: 12-month history vs Projection
  • SameMax LTV (purchase), Max LTV (cash-out)
  • Not comparable (not published)Min DSCR, First-time investors

Values: Acra Lending first, then Lima One Capital. Sources and check dates are on each lender page.

Acra Lending lender pageCompare Lima One Capital and Acra Lending

America Mortgages 9 terms compared

  • More flexibleDSCR below 1.0: Yes vs No; No-ratio option: Yes vs No; Max LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%; Max loan: $3M vs $2.5M
  • Less flexibleMin credit score: 680 vs 660; Min loan: $100K vs $75K
  • DifferentStates served: lists 4 states (AK, ND, SD, VT) Lima One Capital doesn't, but not 6 states (IA, NV, NC, UT, VA, DC) Lima One Capital lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, First-time investors

Values: America Mortgages first, then Lima One Capital. Sources and check dates are on each lender page.

America Mortgages lender pageCompare Lima One Capital and America Mortgages

Quickline Capital 9 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.30; DSCR below 1.0: Yes vs No; Max LTV (purchase): 80% vs 75%; Max LTV (cash-out): 75% vs 70%
  • Less flexibleMin loan: $100K vs $75K; Max loan: $2M vs $2.5M
  • DifferentStates served: lists 4 states (AK, ND, SD, VT) Lima One Capital doesn't, but not 1 state (DC) Lima One Capital lists
  • SameMin credit score, STR income method
  • Not comparable (not published)No-ratio option, First-time investors

Values: Quickline Capital first, then Lima One Capital. Sources and check dates are on each lender page.

Quickline Capital lender pageCompare Lima One Capital and Quickline Capital

New Silver 9 terms compared

  • More flexibleMin DSCR: 1.15 vs 1.30; Max LTV (purchase): 80% vs 75%; Max loan: $3M vs $2.5M
  • Less flexibleMin loan: $150K vs $75K; States served: 42 states/DC listed vs All except AK, ND, SD, VT
  • SameMin credit score, DSCR below 1.0, No-ratio option, STR income method
  • Not comparable (not published)Max LTV (cash-out), First-time investors

Values: New Silver first, then Lima One Capital. Sources and check dates are on each lender page.

New Silver lender pageCompare Lima One Capital and New Silver

How this page is built

Lower minimum credit score, minimum DSCR and minimum loan count as more flexible; so do higher max LTVs and max loan, a published “Yes” on DSCR below 1.0, no-ratio and first-time investors, an STR income method that accepts projections where Lima One Capital counts booking history only, and a state list that includes all of Lima One Capital's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

Lima One Capital

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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.