Published terms, read October 29, 2026
Kiavi alternatives
Every place Kiavi's published limits stop and another lender's go further, checked term by term against what each one publishes on its own website. Pick the line that matches why Kiavi does not fit your deal.
You need a rental portfolio (blanket) loan
We found no published rental portfolio (blanket) terms on Kiavi's website. These publish their own limits.
- Doors Funded programs Up to $2 million
- RCN Capital Up to $75 million Kiavi vs RCN Capital
- LendingOne Up to $3 million Kiavi vs LendingOne
- Easy Street Capital Up to $5 million Kiavi vs Easy Street
- CoreVest Loan size not published Kiavi vs CoreVest
The rent covers less than 0.80x of the payment
Kiavi publishes a 0.80x DSCR minimum. These publish a lower floor.
- Easy Street Capital DSCR floor no minimum Kiavi vs Easy Street
- Angel Oak Mortgage Solutions DSCR floor no minimum Kiavi vs Angel Oak
- Griffin Funding DSCR floor no minimum Kiavi vs Griffin Funding
- LendingOne DSCR floor 0.75x Kiavi vs LendingOne
- New Silver DSCR floor 0.75x Kiavi vs New Silver
- Temple View Capital DSCR floor 0.75x Kiavi vs Temple View
Your score is under 660
Kiavi publishes a 660 minimum on rentals. These publish a lower one.
- Griffin Funding 620 minimum Kiavi vs Griffin Funding
- Easy Street Capital 640 minimum Kiavi vs Easy Street
- CoreVest 640 minimum Kiavi vs CoreVest
You want to put less than 20% down
Kiavi publishes up to 80% LTV on a rental purchase. These publish more.
- Visio Lending Up to 85% LTV Kiavi vs Visio Lending
- Angel Oak Mortgage Solutions Up to 85% LTV Kiavi vs Angel Oak
- Griffin Funding Up to 85% LTV Kiavi vs Griffin Funding
The loan is under $100,000
Kiavi's DSCR loans start at $100,000. These start lower.
- Temple View Capital From $55,000 Kiavi vs Temple View
- RCN Capital From $70,000 Kiavi vs RCN Capital
- Doors Funded programs From $75,000
- Visio Lending From $75,000 Kiavi vs Visio Lending
- CoreVest From $75,000 Kiavi vs CoreVest
- Lima One Capital From $85,000 Kiavi vs Lima One
- LendingOne From $85,000 Kiavi vs LendingOne
- Asset Based Lending From $85,000 Kiavi vs ABL
The loan is over $2 million
Kiavi's DSCR loans top out at $2 million. These publish a higher maximum.
- Griffin Funding Up to $4.5 million Kiavi vs Griffin Funding
- Easy Street Capital Up to $3.5 million Kiavi vs Easy Street
- New Silver Up to $3 million Kiavi vs New Silver
- Angel Oak Mortgage Solutions Up to $3 million Kiavi vs Angel Oak
- Lima One Capital Up to $2.5 million Kiavi vs Lima One
- Temple View Capital Up to $2.5 million Kiavi vs Temple View
- Asset Based Lending Up to $2.5 million Kiavi vs ABL
The rental is a short-term rental
Kiavi does not list short-term rentals as eligible on the pages we read. These do.
- Visio Lending Short-term rentals listed as eligible Kiavi vs Visio Lending
- LendingOne Short-term rentals listed as eligible Kiavi vs LendingOne
- New Silver Short-term rentals listed as eligible Kiavi vs New Silver
- Griffin Funding Short-term rentals listed as eligible Kiavi vs Griffin Funding
- Dominion Financial Short-term rentals listed as eligible Kiavi vs Dominion Financial
- Temple View Capital Short-term rentals listed as eligible Kiavi vs Temple View
- Asset Based Lending Short-term rentals listed as eligible Kiavi vs ABL
You are a foreign national
Kiavi does not lend to foreign nationals on DSCR rental loans. These publish that they do.
- Doors Funded programs Eligible on DSCR, flip and construction loans
- Lima One Capital Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score Kiavi vs Lima One
- Easy Street Capital Resident aliens eligible. Foreign nationals living abroad are eligible when the borrowing LLC is at least 50% owned by US citizens or green card holders Kiavi vs Easy Street
- Angel Oak Mortgage Solutions A separate foreign national DSCR program: $100,000 to $1,500,000, 1.00x DSCR, borrower must live outside the US, US LLC allowed Kiavi vs Angel Oak
- Griffin Funding Offered through a separate Foreign National program: valid visa or visa waiver, at least 20% down, loans up to $5 million, typically up to four units. The DSCR page itself mentions only individuals and U.S. LLCs Kiavi vs Griffin Funding
- Temple View Capital Eligible on DSCR rental loans (the DSCR page says it is now lending to foreign nationals). Not stated for the other programs Kiavi vs Temple View
The property is in Utah
Kiavi does not lend in Utah. These publish a state list that does not exclude it.
- Doors Funded programs Does not list Utah as excluded
- LendingOne Does not list Utah as excluded Kiavi vs LendingOne
- Easy Street Capital Does not list Utah as excluded Kiavi vs Easy Street
- CoreVest Does not list Utah as excluded Kiavi vs CoreVest
- Dominion Financial Does not list Utah as excluded Kiavi vs Dominion Financial
- Temple View Capital Does not list Utah as excluded Kiavi vs Temple View
Where Kiavi is hard to beat
On its own published terms, Kiavi is a strong fit for:
- A first flip. Kiavi publishes no experience minimum and lends up to 100% of the purchase price and 100% of rehab, capped at 80% of ARV.
- A rental where the rent covers the payment less than 1.00x. Kiavi publishes a 0.80x DSCR floor.
- A larger build. Its construction loans run to $10 million, and permits can come after closing (they are needed before the first draw).
Every head-to-head with Kiavi
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