Lima One Capital vs Ridge Street Capital
Rates as of June 18, 2026Estimated DSCR loan rates compared across 24 borrower scenarios.
Ridge Street Capital
0 scenarios lowest
- Min DSCR
- 1
- Max LTV
- 80%
- Min FICO
- 660
Which should you choose?
Across the 0 scenarios where both price, the two are evenly matched (0–0). But the cheaper option flips by borrower profile:
- Lima One Capital stretches furthest ahead on Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR — 6.33% vs 6.33%.
- Ridge Street Capital is strongest on Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR — 6.33% vs 6.33%.
On program terms, Lima One Capital allows up to 80% LTV, DSCR from 1, 660+ FICO, loans $85,000–$2,500,000; Ridge Street Capital allows up to 80% LTV, DSCR from 1, 660+ FICO, loans $55,000–$2,000,000.
Bottom line: Lima One Capital is best for scaling investors and small multifamily (up to 9 units). Ridge Street Capital is best for investors who want speed and low up-front origination cost.
Rate by scenario, side by side
Estimated, not a quote.Each lender’s starting rate is anchored to its own publicly-advertised “as low as” DSCR rate (cited and dated on the lender’s page); per-scenario figures apply a standard industry adjustment model— not any lender’s confidential pricing grid — so the comparison stays apples-to-apples. These are not offers; your actual rate depends on the lender, property, and full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.