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Kiavi vs. ROC Capital

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
ROC Capital
Type hard money hard money
Headquarters San Francisco, CA New York, NY
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 $75,000–$5,000,000
Max LTV 80% 80%
Max LTC 95% 90%
Terms 12-24 months (hard money) / 30-year (rental) 12-24 months (hard money) / 30-year (rental)
Typical close time 7-14 days typical 10-21 days typical
Rate range 5.875%–12% 9.5%–12%
Points 1–3 pts 1–3 pts

Where they actually differ

Leverage: Kiavi tops out at 80% LTV / 95% LTC, against 80% / 90% at ROC Capital. 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; ROC Capital quotes 9.5%–12% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.

Loan sizing runs $100,000–$2,000,000 at Kiavi and $75,000–$5,000,000 at ROC Capital — a gap that mostly matters at either end of the range.

Kiavi quotes a 7-14 days typical close; ROC Capital quotes 10-21 days typical. On a competitive acquisition that gap can be the whole decision.

Questions

Is Kiavi still originating loans under its own name?
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.
Which offers more leverage, Kiavi or ROC Capital?
Kiavi tops out at 80% LTV / 95% LTC, against 80% / 90% at ROC Capital. 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.
Which publishes the lower rate range, Kiavi or ROC Capital?
Kiavi quotes 5.875%–12%; ROC Capital quotes 9.5%–12%. Where a specific file lands inside either range depends on leverage, credit and property type, so the published floor of one range beating the other's isn't the same as a guaranteed better price.
Which handles a larger loan, Kiavi or ROC Capital?
Kiavi runs $100,000–$2,000,000; ROC Capital runs $75,000–$5,000,000. That gap mostly matters at either end of the range.
Which closes faster, Kiavi or ROC Capital?
Kiavi quotes a 7-14 days typical close; ROC Capital quotes 10-21 days typical. On a competitive acquisition that gap can be the whole decision.

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

Lender profile Requirements

ROC Capital

An investor who wants one lender to carry a BRRRR deal from rehab into the 30-year rental hold

Lender profile

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