Rate & Program Disclosures

All rates, terms, leverage amounts, and other loan program details referenced in Lima One’s advertising and marketing materials are provided for general informational purposes only and are subject to the disclosures below.

Business Purpose Only

Lima One’s loan programs are extended for business and investment purposes only and are not intended for personal, family, or household use. Loans are made only to business entities in connection with the acquisition, renovation, construction, or ownership of investment real estate.

Rates & Terms Are Not Guaranteed

Any rate, annual percentage rate (APR), loan-to-cost (LTC), loan-to-value (LTV), or other financing term advertised, displayed, or referenced by Lima One (in any format, including digital ads, social media, print, email, or case studies) represents a starting point, best-case, or illustrative figure only and is:

• Not guaranteed to any specific borrower or transaction
• Subject to change without notice, including due to market conditions, funding costs, and investor requirements
• Not an offer, commitment, or guarantee to lend
• Valid only as of the date such rate or term was published or quoted, and may no longer be current

Actual Rates and Terms Depend On

Actual rates, leverage, and terms offered to any borrower will vary based on factors including, but not limited to:

• Borrower creditworthiness (credit score, credit history, and financial profile)
• Borrower experience (number of completed projects, track record)
• LTC and LTV ratios for the specific transaction
• Property type, condition, location, and after-repair value (ARV), as applicable
• Loan program selected (e.g., FixNFlip, Bridge Plus, New Construction, Rental, Multifamily)
• Loan size and term length
• Exit strategy and project scope
• Market and capital-markets conditions at the time of rate quote
• Documentation and underwriting requirements applicable to the specific loan

Not all borrowers or properties will qualify for advertised rates, leverage, or terms. A quoted or advertised rate for one borrower’s transaction does not represent a rate generally available to all borrowers.

Not a Commitment to Lend

Nothing on this website, in any advertisement, case study, or other marketing material constitutes a commitment to lend, a pre-qualification, or a pre-approval. All loans are subject to:

• Full underwriting review and credit approval
• Satisfactory appraisal and/or property valuation
• Verification of borrower, sponsor, and property information
• Execution of definitive loan documents
• Compliance with all applicable state and federal law

Lima One reserves the right to decline any loan application or to modify the terms of any loan offer at any time prior to closing.

Case Studies & Testimonials

Any case study, deal example, or testimonial referenced in Lima One’s marketing reflects the actual, historical facts of a specific, completed transaction for a specific borrower. Results described are not representative or predictive of results any other borrower should expect, and past performance is not indicative of future terms, approval, or outcomes.