Published terms, read October 24, 2026
Kiavi vs Easy Street Capital: published loan terms side by side
DSCR floor: Kiavi 0.80x, Easy Street no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Kiavi needs at least $1,600 of rent; Easy Street sets no floor. 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.
Easy Street Capital
Investor lender with three programs: EasyRent (DSCR), EasyFix (fix and flip) and EasyBuild (construction).
The differences that change a deal
- Foreign nationals: Easy Street: 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: not eligible. Borrowers must be US citizens or permanent residents.
- Credit on rentals: Kiavi publishes a 660 minimum, Easy Street 640.
- States: Kiavi excludes Utah, which Easy Street does not list as excluded; Easy Street excludes North Dakota and South Dakota, which Kiavi does not list as excluded.
- Flip purchase advance: up to 100% at Kiavi, 93% at Easy Street.
- Flip cap on after-repair value: 80% at Kiavi, 75% at Easy Street. On a house worth $300,000 finished, that is $15,000 of loan.
- Easy Street publishes terms for rental portfolio (blanket) loans; Kiavi publishes no terms of its own for them.
- Credit on flips: 660 at Kiavi, 600 at Easy Street.
- Largest DSCR loan: $2 million at Kiavi, $3.5 million at Easy Street.
- Units on one rental loan: up to 4 at Kiavi, up to 10 at Easy Street.
- Largest construction loan: $10 million at Kiavi, $5 million at Easy Street.
- Construction loan-to-cost: up to 85% at Kiavi, 90% at Easy Street.
- Borrowing entity: Kiavi: business entity required in every state it lends in. Easy Street: LLC recommended; borrowing as an individual is allowed in most states. Owners above 25% sign a full guaranty.
DSCR rental loans
| Term | Kiavi | Easy Street Capital |
|---|---|---|
| Loan amount | $100,000 to $2,000,000 | $100,000 to $3,500,000+ |
| Max LTV (purchase) | Up to 80% LTV | Up to 80% LTV (75% cash-out) |
| Min FICO | 660 direct; 680 through a broker | 640 |
| Min DSCR | 0.80x | No minimum |
| Experience | Not required | Not required |
| Property types | Single family, PUDs, 2-4 units, condos | 1-10 units |
Fix and flip loans
| Term | Kiavi | Easy Street Capital |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | $75,000 to $5,000,000+ |
| Purchase | Up to 100% of price | Up to 93% LTC |
| Rehab | Up to 100% | Not published |
| Max ARV | Up to 80% of ARV | Up to 75% of ARV |
| Min FICO | 660 direct; 680 through a broker | 600 |
| Experience | Not required | First-time flippers considered |
| Term | 12, 18 or 24 months | 6 to 18 months |
Ground-up construction loans
| Term | Kiavi | Easy Street Capital |
|---|---|---|
| Loan amount | $150,000 to $10,000,000 | $75,000 to $5,000,000+ |
| Max LTC | Up to 85% of total cost | Up to 90% LTC |
| Max ARV | Up to 70% of ARV | Up to 75% of ARV |
| Min FICO | 660 direct; 680 through a broker | 680 |
| Experience | Not published for this product | Not published |
| Term | 12, 18 or 24 months, with 3- or 6-month extensions | 9 to 24 months, with extensions |
Easy Street Capital also publishes rental portfolio (blanket) loans; Kiavi does not.
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] |
| Easy Street Capital | Rental loans in every state except North Dakota and South Dakota, rural included. Flip and construction loans are not offered in Louisiana, Minnesota, North Dakota, South Dakota or some metros, including Baltimore, Chicago and Detroit. [src][src][src] | LLC recommended; borrowing as an individual is allowed in most states. Owners above 25% sign a full guaranty. [src] | 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. [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] |
| Easy Street Capital | $100,000 to $3,500,000+ | Up to 80% LTV (75% cash-out) | 640 | No minimum | Not required | [1] |
| 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] |
| Easy Street Capital | $75,000 to $5,000,000+ | Up to 93% LTC | Not published | Up to 75% of ARV | 600 | First-time flippers considered | 6 to 18 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.
- Easy Street Capital: EasyRent DSCR loans. Read October 24, 2026.
- Easy Street Capital: EasyFix fix and flip loans. Read October 24, 2026.
- Easy Street Capital: EasyBuild construction loans. Read October 24, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.