Published terms, read October 24, 2026

Lima One Capital vs LendingOne: published loan terms side by side

DSCR floor: Lima One 1.00x, LendingOne 0.75x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Lima One needs at least $2,000 of rent; LendingOne needs at least $1,500 of rent. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

Lima One Capital

Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.

LendingOne

Investor lender offering DSCR, fix-and-flip, construction, fix-to-rent and SFR portfolio loans.

The differences that change a deal

Flip purchase advance: up to 95% at Lima One, 92.5% at LendingOne.
LendingOne publishes terms for rental portfolio (blanket) loans; Lima One publishes no terms of its own for them.
Largest DSCR loan: $2.5 million at Lima One, $2 million at LendingOne.
Units on one rental loan: up to 9 at Lima One, up to 4 at LendingOne.
Largest construction loan: $5 million at Lima One, $40 million at LendingOne.
Largest flip loan: $5 million at Lima One, $3 million at LendingOne.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	LendingOne
Loan amount	$85,000 to $2,500,000	$85,000 to $2,000,000
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV (75% cash-out)
Min FICO	660	Not published
Min DSCR	1.00x	0.75x
Experience	Not required	Not published
Property types	Single family, 2-9 units, warrantable condos	Single family, 2-4 units, condos, townhouses

Fix and flip loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	LendingOne
Loan amount	$100,000 to $5,000,000	$100,000 to $3,000,000
Purchase	Up to 95% LTC	Up to 92.5% LTC
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 75% of ARV	Not published
Min FICO	660	Not published
Experience	One exit in the last 36 months	Not published
Term	13, 19 or 24 months	12 to 24 months

Ground-up construction loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	LendingOne
Loan amount	$100,000 to $5,000,000	Up to $40,000,000
Max LTC	Up to 90% LTC	Up to 90% LTC
Max ARV	Up to 75% of ARV	Up to 70% of ARV
Min FICO	Not published	Not published
Experience	Required: ground-up (on title or as GC) or fix-and-flip	At least one ground-up project in the last 36 months
Term	19 or 24 months	12 to 24 months

LendingOne also publishes rental portfolio (blanket) loans; Lima One Capital does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Lima One Capital	46 states and Washington, DC. The excluded states are not listed on the pages read. [src]	LLC or similar entity required for business-purpose rental loans. [src]	Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][src]
LendingOne	Every state except Alaska, Nevada, North Dakota and South Dakota. [src]	Required: LLC, limited or general partnership, corporation or revocable trust. [src]	Not published

For reference: our programs next to both

Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.

DSCR rental loans. Lender figures read October 24, 2026.
Lender	Loan amount	Max LTV (purchase)	Min FICO	Min DSCR	Experience	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$75,000 to $2,000,000	Up to 80% LTV (75% cash-out)	660	1.05x	Not required	terms
Lima One Capital	$85,000 to $2,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not required	[1][2]
LendingOne	$85,000 to $2,000,000	Up to 80% LTV (75% cash-out)	Not published	0.75x	Not published	[1]

Fix and flip loans. Lender figures read October 24, 2026.
Lender	Loan amount	Purchase	Rehab	Max ARV	Min FICO	Experience	Term	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$50,000 to $3,000,000	Up to 90% of price	Up to 100%	Up to 75% of ARV	Quoted per loan	None required	12 months; 18 months case by case	terms
Lima One Capital	$100,000 to $5,000,000	Up to 95% LTC	Up to 100%	Up to 75% of ARV	660	One exit in the last 36 months	13, 19 or 24 months	[1][2]
LendingOne	$100,000 to $3,000,000	Up to 92.5% LTC	Up to 100%	Not published	Not published	Not published	12 to 24 months	[1]

If neither fits

Sources

Lima One: rental loans. Read October 24, 2026.
Lima One: rental loan detail. Read October 24, 2026.
Lima One: fix and flip loans. Read October 24, 2026.
Lima One: fix and flip detail. Read October 24, 2026.
Lima One: new construction loans. Read October 24, 2026.
Lima One: new construction detail. Read October 24, 2026.
Lima One: rental portfolio loans. Read October 24, 2026.
LendingOne: DSCR rental loans. Read October 24, 2026.
LendingOne: fix and flip loans. Read October 24, 2026.
LendingOne: new construction loans. Read October 24, 2026.
LendingOne: SFR portfolio loans. Read October 24, 2026.
LendingOne: FAQs. Read October 24, 2026.