Kiavi vs. LendingOne
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
Read this before the table
Kiavi. Kiavi Funding LLC was acquired by Figure Technology Solutions. The acquisition closed 1 September 2026, and DSCR loans are now originated by Figure Lending LLC dba Figure. Figure has not published a timeline for combined guidelines or pricing, so the Kiavi figures on this page describe the program as it operated before the acquisition closed.
| Criteria | Kiavi Verified 17 Sep 2026 | LendingOne Verified 17 Sep 2026 |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | San Francisco, CA | Boca Raton, FL |
| Founded | 2013 | 2014 |
| Geographic focus | National | National |
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size range | $100,000–$2,000,000 | $85,000–$2,000,000 |
| Max LTV | 80% | 80% |
| Max LTC | 95% | 90% |
| Min credit score | 660 | 640 |
| Min DSCR | 0.80 | 0.75 |
| Terms | 12-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical | 14-21 days typical |
| Rate range | 5.875%–12% | 9%–12% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
LendingOne sets its DSCR floor at 0.75; Kiavi wants 0.80. A property that clears the lower bar but not the higher one is exactly what this difference decides.
Credit floors differ: LendingOne starts at 640, Kiavi at 660. That gap only matters to a borrower sitting between the two numbers.
Leverage: Kiavi tops out at 80% LTV / 95% LTC, against 80% / 90% at LendingOne. More leverage means less cash to close and a thinner equity cushion — which side of that trade matters depends on how much cash the deal has to begin with.
Pricing: Kiavi quotes 5.875%–12% and 1–3 points; LendingOne quotes 9%–12% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.
Questions
Is Kiavi still originating loans under its own name?
Which has the lower DSCR floor, Kiavi or LendingOne?
Which has the lower credit-score floor, Kiavi or LendingOne?
Which offers more leverage, Kiavi or LendingOne?
Which publishes the lower rate range, Kiavi or LendingOne?
Kiavi
An investor evaluating Kiavi's 49-state rental program while Figure integrates it, who can qualify at a 0.80 DSCR floor and 660 credit score
LendingOne
An investor whose property cash-flows down to a 0.75 DSCR and who carries at least a 640 credit score