Our Lending Partners

Non-qualified mortgage loans for 1-4 family owner-occupied homes, ideal for self-employed borrowers who don fit traditional income verification.

Flexible investment property loans using alternative income documentation for real estate investors building their portfolios.

Specialized community development lending with competitive rates and faster turn times for qualifying properties.

Qualify using bank statements instead of W-2s or tax returns perfect for self-employed borrowers and business owners.

Loan amounts from $5,000 to $750,000 with no collateral needed. Fixed terms up to 18 months with a renewable line of credit included.

Borrow up to $1,500,000 with fixed repayment terms up to 3 years. Defer up to 50% of principal for lower, flexible payments.

Interest-only revolving credit lines with flexible draw and repayment options. Perfect for managing cash flow and seasonal needs.

Short-term bridge financing for business transitions, expansions, or timing gaps between buying and selling.

Specialized financing for restaurants, hotels, and retail businesses. Add a new location, renovate, or expand your franchise.

Qualify based on the propertys rental income, not your personal income. No W-2s or tax returns required for 1-4 unit investment properties.

Long-term financing for buy-and-hold investors renting properties on a 6-12 month basis, including vacation and short-term rentals.

Tap into your propertys equity with cash-out refinancing designed for investors looking to scale their portfolio.

Specialized financing for short-term and vacation rental properties, including properties with ADUs and septic systems.

Fast financing to purchase and rehab investment properties. Close in as little as 7 days with no appraisal on qualifying deals.

30-year fixed, 5/1 ARM, and 7/1 ARM options for rental properties. Qualify on cash flow, not personal income.

Finance multiple properties under a single loan. Scale your portfolio efficiently with portfolio-level financing.

Short-term bridge financing with cash-out refinance options for investors needing quick capital between projects.

Ground-up construction financing for developers building new residential properties, with draw schedules aligned to milestones.

Short-term financing to purchase and rehab investment properties with no prepayment penalty. Exit by selling or refinancing into a rental loan.

Buy, rehab, rent, and refinance all with Lima One. The Fix2Rent program covers both the flip and the long-term DSCR refinance in one seamless process.

Long-term rental financing based on propertys cash flow. Dedicated account executives guide you through every step.

Short-term bridge financing for investors who need time to sell or refinance. Flexible terms with no prepayment penalty.

New construction financing for developers building from the ground up, with draw schedules and experienced construction lending support.

Qualify using 12 or 24 months of bank statements with a 50% standard expense ratio or as low as 10% with an accountant letter. Up to 90% LTV with loan amounts to $4m ($5m for preferred brokers).

Qualify based on property cash flow with no minimum DSCR ratio up to 75% LTV. No deposit sourcing required. AIR DNA and short-term rental income accepted. Loan amounts up to $5m for preferred brokers.

Qualify using only a P&L statement — no bank statements required. Min 660 FICO, up to 80% LTV. Prepared by CPA, EA, CTEC, or PTIN. Loan amounts up to $3m.

Qualify using liquid assets: 100% of checking, savings, and money market funds plus 70% of stocks, bonds, and mutual funds. Min 640 FICO, up to 85% LTV. Loan amounts up to $3.5m.

For self-employed 1099 contractors. Qualify using 12 or 24 month income average minus expense ratio. Min 620 FICO, up to 90% LTV. Loan amounts up to $4m ($5m for preferred brokers).

Financing for foreign nationals with no FICO or 680 minimum. No visa, no US asset seasoning, no credit reference letters required. Up to 80% LTV. Loan amounts up to $2.5m.

Written Verification of Employment loans — no tax returns, W-2s, or paystubs required. Min 660 FICO, up to 80% LTV. Loan amounts up to $3m.

Cash-out second mortgages up to 90% CLTV with loan amounts up to $500k ($850k case by case). Supports standard doc, bank statement, P&L, WVOE, and 1099 income types.

Long-term rental financing with ARM and 30-year fixed options. DSCR-based qualification for 1-4 unit investment properties.

Short-term flexible financing to purchase and rehab investment properties. Fast closings with experienced lending support.

New construction financing designed to support developers with the capital needed to start and complete residential projects.

Short-term bridge financing for investors needing quick capital between purchase, refinance, or sale of investment properties.