Published terms, read October 29, 2026

Kiavi vs Asset Based Lending: published loan terms side by side

DSCR floor: Kiavi 0.80x, ABL 1.00x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Kiavi needs at least $1,600 of rent; ABL needs at least $2,000 of rent. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

Kiavi

Investor-only lender based in Pittsburgh, operating since 2013 (formerly LendingHome). Figure Technology Solutions completed its acquisition of Kiavi on September 1, 2026; Figure's 8-K says Kiavi, Inc. survived the merger as a wholly owned Figure subsidiary.

Asset Based Lending

Direct private real estate lender based in Jersey City, New Jersey, founded in 2010 (NMLS #2449622). It funds fix and flip, new construction and bridge loans in-house; its DSCR rental loans are brokered to third-party capital partners.

The differences that change a deal

States: ABL excludes Alaska, Hawaii, Montana, Nevada, North Dakota, South Dakota and Vermont, which Kiavi does not list as excluded.
Flip purchase advance: up to 100% at Kiavi, 90% at ABL.
Flip cap on after-repair value: 80% at Kiavi, 75% at ABL. On a house worth $300,000 finished, that is $15,000 of loan.
Smallest DSCR loan: $100,000 at Kiavi, $85,000 at ABL.
Largest DSCR loan: $2 million at Kiavi, $2.5 million at ABL.
Units on one rental loan: up to 4 at Kiavi, up to 9 at ABL.
Largest construction loan: $10 million at Kiavi, $50 million at ABL.
Largest flip loan: $5 million at Kiavi, $50 million at ABL.

DSCR rental loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Kiavi	Asset Based Lending
Loan amount	$100,000 to $2,000,000	$85,000 to $2,500,000
Max LTV (purchase)	Up to 80% LTV	Up to 80% LTV
Min FICO	660 direct; 680 through a broker	660
Min DSCR	0.80x	1.00x
Experience	Not required	Not required (first-time and experienced investors)
Property types	Single family, PUDs, 2-4 units, condos	Single family, 2-4 units, condos (also 5-9 units)

Fix and flip loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Kiavi	Asset Based Lending
Loan amount	$100,000 to $5,000,000	$75,000 to $50,000,000
Purchase	Up to 100% of price	Up to 90% of price
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 80% of ARV	Up to 75% of ARV
Min FICO	660 direct; 680 through a broker	660
Experience	Not required	Not required; first-time flippers eligible (experienced borrowers may get higher leverage)
Term	12, 18 or 24 months	12 to 24 months

Ground-up construction loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Kiavi	Asset Based Lending
Loan amount	$150,000 to $10,000,000	$75,000 to $50,000,000
Max LTC	Up to 85% of total cost	Not published as LTC; up to 75% of land purchase plus 100% of construction costs
Max ARV	Up to 70% of ARV	Up to 75% of ARV
Min FICO	660 direct; 680 through a broker	660
Experience	Not published for this product	Prior ground-up experience reviewed (qualifying project completed and sold or refinanced within 36 months); not stated as a hard requirement
Term	12, 18 or 24 months, with 3- or 6-month extensions	12 to 24 months

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Kiavi	49 states and Washington, DC. Utah is not on the published list. [src]	Business entity required in every state it lends in. [src]	Not eligible. Borrowers must be US citizens or permanent residents. [src]
Asset Based Lending	42 states and Washington, DC per its published list (the same page says '43 states'). Not on the list: AK, HI, MT, NV, ND, SD, UT, VT. [src][src]	Business entity required. Title must be held in an LLC or corporation; a personal guarantee is required from all principals. [src][src]	Not published.

For reference: our programs next to both

Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.

DSCR rental loans. Lender figures read October 29, 2026.
Lender	Loan amount	Max LTV (purchase)	Min FICO	Min DSCR	Experience	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$75,000 to $2,000,000	Up to 80% LTV (75% cash-out)	660	1.05x	Not required	terms
Kiavi	$100,000 to $2,000,000	Up to 80% LTV	660 direct; 680 through a broker	0.80x	Not required	[1][2]
Asset Based Lending	$85,000 to $2,500,000	Up to 80% LTV	660	1.00x	Not required (first-time and experienced investors)	[1][2]

Fix and flip loans. Lender figures read October 29, 2026.
Lender	Loan amount	Purchase	Rehab	Max ARV	Min FICO	Experience	Term	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$50,000 to $3,000,000	Up to 90% of price	Up to 100%	Up to 75% of ARV	Quoted per loan	None required	12 months; 18 months case by case	terms
Kiavi	$100,000 to $5,000,000	Up to 100% of price	Up to 100%	Up to 80% of ARV	660 direct; 680 through a broker	Not required	12, 18 or 24 months	[1][2][3]
Asset Based Lending	$75,000 to $50,000,000	Up to 90% of price	Up to 100%	Up to 75% of ARV	660	Not required; first-time flippers eligible (experienced borrowers may get higher leverage)	12 to 24 months	[1][2][3]

If neither fits

Sources

Kiavi: DSCR loans. Read October 24, 2026.
Kiavi: fix-and-flip loans. Read October 24, 2026.
Kiavi: new construction loans. Read October 24, 2026.
Kiavi: states Kiavi lends in. Read October 24, 2026.
Kiavi: company and product summary (llms.txt, published by Kiavi). Read October 24, 2026.
Kiavi: FAQs. Read October 24, 2026.
Figure: 'Figure Completes Acquisition of Kiavi' (GlobeNewswire, Sept. 1, 2026). Read October 24, 2026.
SEC EDGAR: Figure Technology Solutions Form 8-K, Item 2.01, filed Sept. 1, 2026. Read October 24, 2026.
Kiavi: bridge loans. Read October 24, 2026.
ABL: Company and loan program overview (updated Sept 30, 2026). Read October 29, 2026.
ABL: DSCR rental loans. Read October 29, 2026.
ABL: Fix and flip loans. Read October 29, 2026.
ABL: New construction loans. Read October 29, 2026.
ABL: Bridge loans. Read October 29, 2026.
ABL: Where we lend. Read October 29, 2026.
ABL: FAQs. Read October 29, 2026.