Comparisons

Compare investor property lenders

Every unordered pair among the 9 lenders readers compare most — 36 comparisons in total.

Each comparison pulls both lenders' own published figures into one table — loan size, leverage, DSCR floor, credit score, rate and points range, state coverage and terms — with the date each side's numbers were last verified, since the two can differ. Below the table on every page is a short read on where the two actually part ways and which kind of deal each one is built for. None of these pages declares a winner; the variable that decides it is the deal in front of you, which this page can't see.

A few pairs need a note before you read them as two independent competitors. One pair — Civic Financial Services vs. ROC Capital — compares lenders under common ownership rather than independent shops. 8 of the 36 pairs include Kiavi, whose DSCR loans are now originated by Figure following Figure Technology Solutions' acquisition of Kiavi Funding LLC; each of those pages leads with that status rather than burying it in the table. Iron Bridge Lending, Renovo Financial, and ROC Capital don't carry a published verification date on this site; pairs involving them compare stated figures without a verified-as-of date on that side.

Civic Financial Services

vs. Iron Bridge Lending

Leverage: Civic Financial Services to 80%/90% LTV/LTC, Iron Bridge Lending to 75%/85%.

vs. Kiavi

DSCR floor: Kiavi to 0.80, Civic Financial Services wants 1.05.

Read the note before the table

vs. LendingOne

DSCR floor: LendingOne to 0.75, Civic Financial Services wants 1.05.

vs. Lima One Capital

DSCR floor: Lima One Capital to 1.00, Civic Financial Services wants 1.05.

vs. New Silver

DSCR floor: New Silver to 0.75, Civic Financial Services wants 1.05.

vs. RCN Capital

DSCR floor: RCN Capital to 1.00, Civic Financial Services wants 1.05.

vs. Renovo Financial

Leverage: Civic Financial Services to 80%/90% LTV/LTC, Renovo Financial to 85%/90%.

vs. ROC Capital

Product mix: Civic Financial Services has nothing extra; ROC Capital adds new-construction.

Read the note before the table

Iron Bridge Lending

vs. Kiavi

Leverage: Iron Bridge Lending to 75%/85% LTV/LTC, Kiavi to 80%/95%.

Read the note before the table

vs. LendingOne

Leverage: Iron Bridge Lending to 75%/85% LTV/LTC, LendingOne to 80%/90%.

vs. Lima One Capital

Leverage: Iron Bridge Lending to 75%/85% LTV/LTC, Lima One Capital to 80%/92%.

vs. New Silver

Leverage: Iron Bridge Lending to 75%/85% LTV/LTC, New Silver to 85%/90%.

vs. RCN Capital

Leverage: Iron Bridge Lending to 75%/85% LTV/LTC, RCN Capital to 80%/90%.

vs. Renovo Financial

Leverage: Iron Bridge Lending to 75%/85% LTV/LTC, Renovo Financial to 85%/90%.

vs. ROC Capital

Leverage: Iron Bridge Lending to 75%/85% LTV/LTC, ROC Capital to 80%/90%.

Kiavi

vs. LendingOne

DSCR floor: LendingOne to 0.75, Kiavi wants 0.80.

Read the note before the table

vs. Lima One Capital

DSCR floor: Kiavi to 0.80, Lima One Capital wants 1.00.

Read the note before the table

vs. New Silver

DSCR floor: New Silver to 0.75, Kiavi wants 0.80.

Read the note before the table

vs. RCN Capital

DSCR floor: Kiavi to 0.80, RCN Capital wants 1.00.

Read the note before the table

vs. Renovo Financial

Leverage: Kiavi to 80%/95% LTV/LTC, Renovo Financial to 85%/90%.

Read the note before the table

vs. ROC Capital

Leverage: Kiavi to 80%/95% LTV/LTC, ROC Capital to 80%/90%.

Read the note before the table

LendingOne

vs. Lima One Capital

DSCR floor: LendingOne to 0.75, Lima One Capital wants 1.00.

vs. New Silver

Credit floor: LendingOne at 640, New Silver at 660.

vs. RCN Capital

DSCR floor: LendingOne to 0.75, RCN Capital wants 1.00.

vs. Renovo Financial

Leverage: LendingOne to 80%/90% LTV/LTC, Renovo Financial to 85%/90%.

vs. ROC Capital

Pricing: LendingOne 9%–12% against ROC Capital's 9.5%–12%.

Lima One Capital

vs. New Silver

DSCR floor: New Silver to 0.75, Lima One Capital wants 1.00.

vs. RCN Capital

Leverage: Lima One Capital to 80%/92% LTV/LTC, RCN Capital to 80%/90%.

vs. Renovo Financial

Leverage: Lima One Capital to 80%/92% LTV/LTC, Renovo Financial to 85%/90%.

vs. ROC Capital

Leverage: Lima One Capital to 80%/92% LTV/LTC, ROC Capital to 80%/90%.

New Silver

vs. RCN Capital

DSCR floor: New Silver to 0.75, RCN Capital wants 1.00.

vs. Renovo Financial

Product mix: New Silver has nothing extra; Renovo Financial adds new-construction, multi-family.

vs. ROC Capital

Leverage: New Silver to 85%/90% LTV/LTC, ROC Capital to 80%/90%.

RCN Capital

vs. Renovo Financial

Leverage: RCN Capital to 80%/90% LTV/LTC, Renovo Financial to 85%/90%.

vs. ROC Capital

Same core figures on both sides — the difference is terms, closing speed and stated ideal borrower.

Renovo Financial

vs. ROC Capital

Leverage: Renovo Financial to 85%/90% LTV/LTC, ROC Capital to 80%/90%.

Questions

How were these lender pairs chosen?

The 9 lenders compared here were chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. Every unordered pair among them is covered — 36 comparisons in total.

Do these comparison pages declare a winner?

No. Each page puts both lenders’ own published figures into one table and reads where they actually differ, but the variable that decides which one fits is the deal in front of you, which these pages can’t see.

Are any of these lenders under common ownership?

Yes — Civic Financial Services and ROC Capital are under common ownership rather than independent competitors. That comparison page leads with the ownership note rather than burying it in the table.

Do any of these comparisons involve a lender that has changed hands?

Yes — Kiavi has a status change on record, and every comparison page involving it leads with that status rather than presenting the figures as current without qualification.

Glossary Lender directory