Published terms, read October 24, 2026

Lima One Capital vs New Silver: published loan terms side by side

A first flip is the biggest split. New Silver publishes no experience minimum; Lima One requires one exit in the last 36 months. 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.

New Silver

Direct private lender with online term sheets for fix-and-flip, ground-up and DSCR loans.

The differences that change a deal

DSCR floor: Lima One 1.00x, New Silver 0.75x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Lima One needs at least $2,000 of rent; New Silver needs at least $1,500 of rent.
Flip purchase advance: up to 95% at Lima One, 90% at New Silver.
Smallest DSCR loan: $85,000 at Lima One, $150,000 at New Silver.
Credit on flips: 660 at Lima One, 650 at New Silver.
Largest DSCR loan: $2.5 million at Lima One, $3 million at New Silver.
Units on one rental loan: up to 9 at Lima One, up to 8 at New Silver.

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	New Silver
Loan amount	$85,000 to $2,500,000	$150,000 to $3,000,000
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV
Min FICO	660	660
Min DSCR	1.00x	0.75x
Experience	Not required	Not required
Property types	Single family, 2-9 units, warrantable condos	1-8 units, short-term rentals allowed

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	New Silver
Loan amount	$100,000 to $5,000,000	$100,000 to $5,000,000
Purchase	Up to 95% LTC	Up to 90% LTC
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	660	650
Experience	One exit in the last 36 months	Not required
Term	13, 19 or 24 months	Up to 18 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	New Silver
Loan amount	$100,000 to $5,000,000	$100,000 to $5,000,000
Max LTC	Up to 90% LTC	Up to 90% LTC
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	Not published	650
Experience	Required: ground-up (on title or as GC) or fix-and-flip	Not published
Term	19 or 24 months	18 months

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]
New Silver	41 states and Washington, DC (Alabama for DSCR only), per New Silver's February 2026 list. [src]	DSCR loans can be made to LLCs and corporations; whether an entity is required is not published. [src]	Fix-and-flip and ground-up loans require a US citizen or legal resident. Not published for DSCR. [src][src]

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]
New Silver	$150,000 to $3,000,000	Up to 80% LTV	660	0.75x	Not required	[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]
New Silver	$100,000 to $5,000,000	Up to 90% LTC	Up to 100%	Up to 75% of ARV	650	Not required	Up to 18 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.
New Silver: DSCR loans. Read October 24, 2026.
New Silver: fix and flip loans. Read October 24, 2026.
New Silver: construction loans. Read October 24, 2026.
New Silver: company and product summary (llms.txt, last updated Feb. 6, 2026). Read October 24, 2026.