Lima One Capital

Flipping Data is Out – Here’s What the Numbers Say Volume is Down – The number of flips dropped 7.7% YoY, and flips as a share of total home sales declined from 8.1% to 7.6%. If it feels like fewer deals are out there, you’re not imagining it. Profits are Up – The average gross profit on a flip rose from $67,846 to $72,000, with margins climbing to 29.6%. This signals strong buyer demand for renovated inventory—even in a tough market. Regional Trends - - Highest Gross Profit Gains: High-priced markets like San Jose, SF, NYC, San Diego, and DC - Strongest Net Profits: Rust Belt cities like Pittsburgh, Buffalo, Cleveland, and Rochester, where distressed deals remain available - Texas Correction: Austin, San Antonio, Houston, and Dallas saw gross profits decline, reflecting broader price shifts. Flippers Are Moving Faster – The average time to flip has dropped from 169 to 162 days, the fastest since COVID. That means lower carrying costs and quicker returns. The bottom line? Today’s market favors investors who can source the right deals and execute efficiently. If you’re adapting, you’re thriving. ATTOM

Key Takeaways from NPLA Miami: What Investors Need to Know The private lending landscape is shifting, and staying ahead of the curve is key to maximizing returns. Here’s what came out of NPLA Miami that directly impacts your investment strategy: -Securitizations are driving down lender costs, making capital more efficient and potentially improving borrower rates. -Fraud prevention is a top industry focus. Stronger safeguards mean a more stable lending environment for investors. -Brokers & lenders are aligning to create a more transparent, trusted deal flow. -Market forces - tariffs, state regs, and inflation - are in play. Investors should stay nimble as these impact deal structures and exit strategies. -Housing demand remains strong, especially for townhomes and condos as builders shift focus. -Rates may ease soon. A potential dip in treasuries over the next 8-12 months could unlock more opportunities. -AI & automation are reshaping lending. Faster underwriting, better data, and streamlined construction management are increasing efficiency. NPLA Conference showed us in Miami why they are a powerful voice in the private lending space, with major initiatives in motion. If you’re looking to navigate the evolving market with confidence, this is the time to engage. Aaron Metaj, Curtis Taylor, Adam Freedman, Stephan A. Leccese

Women Who Move the Needle This #WomensHistoryMonth, we’re celebrating several women at Lima One Capital who make a difference every day. Their contributions help drive our business forward - supporting teams, solving problems, and making an impact in ways big and small. We asked each of them: What key skills have been essential to your success or in overcoming challenges along your career journey? Swipe through to see their answers and help us celebrate this group of women who keep us moving.

A stronger team. A bigger impact. More deals closed. When top sales talent joins Lima One, it’s not just a win for them—it’s a win for their clients. Our loan officers get: -Superior private lending products -A top-tier operations team that delivers fast -A rock-solid company built for the long haul -The backing of a powerhouse brand with industry-wide recognition  -The tools, support, and speed to close more deals That’s why elite sales pros are making the move - and why their books of business grow stronger when they do. Thinking bigger? Thinking bolder? Lima One is where top closers are taking their game to the next level. Galo Naranjo III

What makes an ideal DSCR loan - one that gets investors the best rate possible? Lima One’s Director of Capital Markets, Barrett Clayton, breaks down the key financing factors and reveals what catches many investors off guard when they start the loan process. 

Others Waited. We Made It Happen. Smart Financing gets things done. When this investor found a prime redevelopment property, they knew it had serious potential - but they needed capital upfront to secure the deal and move forward with architecture plans and county permits. Other lenders hesitated, unwilling to fund the project without approvals in hand. That’s where Lima One stepped in. Our Bridge Plus Loan covered the acquisition and pre-construction costs, giving the borrower the runway to get approvals in place. Then, we re-appraised the property to reflect its increased value, allowing the investor to transition seamlessly into demolition and vertical construction - without delays. The result? A project that kept moving forward, thanks to the right financing at the right time. If you’ve got a project in mind but aren’t sure how to get it done, let’s talk. Link in comments to get started.

Lima One Blue at the Lima One Booth! Looking forward to a great day at the NPLA-Miami Conference! Get in contact with us to discuss our Updated Guidelines and Significantly Reduced Interest Rates!!! #LimaOne #NPLA

I don’t know if you’ve heard but…. Big things are happening at Lima One Capital - and that means adding top-tier talent to our sales team. These new Regional Loan Officers are taking the Central Region by storm - delivering the expertise, energy, and results that our clients expect. Join us in welcoming our new teammates to the squad! Their experience and drive will help take us to the next level.

Time to close can make or break your investment. Every real estate investor knows that delays mean lost deals and missed opportunities. The key to closing fast? Clear communication and a strong lending team. Your loan officer, underwriter, and processor aren’t just checking boxes - they’re guiding you through every step to keep your deal on track. Stay proactive. Respond quickly. Ask questions. When you work with a lender that shares your goals and prioritizes speed and transparency, you get to the closing table faster - and ahead of the competition. At Lima One, we make sure you never miss your moment.

In November 2024, U.S. housing inventory hit 1.33 million units - an increase from the record low of 860,000 in early 2022. But despite this uptick, the housing supply gap is still 3.8 million homes, according to a recent housing market update from Realtor.com. Low supply continues to fuel demand, keeping property values strong even in a high-rate environment. For builders and investors, that means confidence in moving forward with projects. At Lima One Capital, we’re here to help you capitalize on the opportunity with financing built for today’s market.