Published terms, read October 24, 2026

Kiavi vs LendingOne: published loan terms side by side

DSCR floor: Kiavi 0.80x, LendingOne 0.75x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Kiavi needs at least $1,600 of rent; LendingOne needs at least $1,500 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.

LendingOne

Investor lender offering DSCR, fix-and-flip, construction, fix-to-rent and SFR portfolio loans.

The differences that change a deal

States: Kiavi excludes Utah, which LendingOne does not list as excluded; LendingOne excludes Alaska, Nevada, North Dakota and South Dakota, which Kiavi does not list as excluded.
Flip purchase advance: up to 100% at Kiavi, 92.5% at LendingOne.
LendingOne publishes terms for rental portfolio (blanket) loans; Kiavi publishes no terms of its own for them.
Smallest DSCR loan: $100,000 at Kiavi, $85,000 at LendingOne.
Largest construction loan: $10 million at Kiavi, $40 million at LendingOne.
Construction loan-to-cost: up to 85% at Kiavi, 90% at LendingOne.
Largest flip loan: $5 million at Kiavi, $3 million at LendingOne.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Kiavi	LendingOne
Loan amount	$100,000 to $2,000,000	$85,000 to $2,000,000
Max LTV (purchase)	Up to 80% LTV	Up to 80% LTV (75% cash-out)
Min FICO	660 direct; 680 through a broker	Not published
Min DSCR	0.80x	0.75x
Experience	Not required	Not published
Property types	Single family, PUDs, 2-4 units, condos	Single family, 2-4 units, condos, townhouses

Fix and flip loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Kiavi	LendingOne
Loan amount	$100,000 to $5,000,000	$100,000 to $3,000,000
Purchase	Up to 100% of price	Up to 92.5% LTC
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 80% of ARV	Not published
Min FICO	660 direct; 680 through a broker	Not published
Experience	Not required	Not published
Term	12, 18 or 24 months	12 to 24 months

Ground-up construction loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Kiavi	LendingOne
Loan amount	$150,000 to $10,000,000	Up to $40,000,000
Max LTC	Up to 85% of total cost	Up to 90% LTC
Max ARV	Up to 70% of ARV	Up to 70% of ARV
Min FICO	660 direct; 680 through a broker	Not published
Experience	Not published for this product	At least one ground-up project in the last 36 months
Term	12, 18 or 24 months, with 3- or 6-month extensions	12 to 24 months

LendingOne 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]
LendingOne	Every state except Alaska, Nevada, North Dakota and South Dakota. [src]	Required: LLC, limited or general partnership, corporation or revocable trust. [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 24, 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]
LendingOne	$85,000 to $2,000,000	Up to 80% LTV (75% cash-out)	Not published	0.75x	Not published	[1]

Fix and flip loans. Lender figures read October 24, 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]
LendingOne	$100,000 to $3,000,000	Up to 92.5% LTC	Up to 100%	Not published	Not published	Not published	12 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.
LendingOne: DSCR rental loans. Read October 24, 2026.
LendingOne: fix and flip loans. Read October 24, 2026.
LendingOne: new construction loans. Read October 24, 2026.
LendingOne: SFR portfolio loans. Read October 24, 2026.
LendingOne: FAQs. Read October 24, 2026.