Published terms, read October 29, 2026
Kiavi vs Dominion Financial: published loan terms side by side
DSCR floor: Kiavi 0.80x, Dominion Financial 1.00x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Kiavi needs at least $1,600 of rent; Dominion Financial needs at least $2,000 of rent. Below is everything else each one publishes on its own website, term by term.
The two lenders
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.
Dominion Financial
Privately held private lender to real estate investors, founded in 2002 and based in Baltimore, Maryland (NMLS 898795). It is the lending arm of The Dominion Group.
The differences that change a deal
- Credit on rentals: Kiavi publishes a 660 minimum, Dominion Financial 680.
- States: Kiavi excludes Utah, which Dominion Financial does not list as excluded; Dominion Financial excludes Nevada, which Kiavi does not list as excluded.
- Flip cap on after-repair value: 80% at Kiavi, 70% at Dominion Financial. On a house worth $300,000 finished, that is $30,000 of loan.
- Credit on flips: 660 at Kiavi, 680 at Dominion Financial.
- Units on one rental loan: up to 4 at Kiavi, up to 10 at Dominion Financial.
- Construction loan-to-cost: up to 85% at Kiavi, 90% at Dominion Financial.
DSCR rental loans
| Term | Kiavi | Dominion Financial |
|---|---|---|
| Loan amount | $100,000 to $2,000,000 | Not published ($100,000 minimum property value) |
| Max LTV (purchase) | Up to 80% LTV | Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out |
| Min FICO | 660 direct; 680 through a broker | 680 (exceptions down to 660) |
| Min DSCR | 0.80x | 1.00x |
| Experience | Not required | Not published |
| Property types | Single family, PUDs, 2-4 units, condos | Single family and 2-10 unit residential. Mixed-use with 2-8 units |
Fix and flip loans
| Term | Kiavi | Dominion Financial |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | Not published |
| Purchase | Up to 100% of price | Up to 100% of price |
| Rehab | Up to 100% | Up to 100% |
| Max ARV | Up to 80% of ARV | Up to 70% of ARV |
| Min FICO | 660 direct; 680 through a broker | 680 (generally) |
| Experience | Not required | Not published |
| Term | 12, 18 or 24 months | 6 to 24 months |
Ground-up construction loans
| Term | Kiavi | Dominion Financial |
|---|---|---|
| Loan amount | $150,000 to $10,000,000 | Not published |
| Max LTC | Up to 85% of total cost | Up to 90% of total cost |
| Max ARV | Up to 70% of ARV | Not published |
| Min FICO | 660 direct; 680 through a broker | Not published |
| Experience | Not published for this product | No set minimum |
| 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] |
| Dominion Financial | Every state except Nevada, plus Washington, DC. [src][src][src][src] | The DSCR page lists LLCs and individuals as eligible borrowers. The rate and program disclosures page says loans are made only to business entities. [src][src] | Not addressed on the DSCR product page. The broker-program page says the DSCR loans it arranges suit foreign nationals. [src] |
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.
| 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] |
| Dominion Financial | Not published ($100,000 minimum property value) | Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out | 680 (exceptions down to 660) | 1.00x | Not published | [1][2] |
| 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] |
| Dominion Financial | Not published | Up to 100% of price | Up to 100% | Up to 70% of ARV | 680 (generally) | Not published | 6 to 24 months | [1] |
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.
- Dominion Financial: DSCR rental loans. Read October 29, 2026.
- Dominion Financial: Fix & flip loans. Read October 29, 2026.
- Dominion Financial: Ground-up construction loans. Read October 29, 2026.
- Dominion Financial: About. Read October 29, 2026.
- Dominion Financial: Licensing. Read October 29, 2026.
- Dominion Financial: Rate & program disclosures. Read October 29, 2026.
- Dominion Financial: Broker program. Read October 29, 2026.
- Dominion Financial: DSCR loan requirements. Read October 29, 2026.
- Dominion Financial: Ground-up construction loan requirements. Read October 29, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.