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%.