Published terms, read October 24, 2026

Kiavi vs Lima One Capital: published loan terms side by side

Experience on flips is the biggest split. Kiavi publishes no minimum; Lima One needs one investment-property exit in the last 36 months. 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.

Lima One Capital

Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.

The differences that change a deal

  • On paper Kiavi lends more against price (up to 100% vs 95% of cost) and more against ARV (80% vs 75%).
  • Lima One is open to foreign nationals on rental, flip and construction loans. Kiavi lends only to US citizens and permanent residents.
  • For rentals, Kiavi publishes a lower DSCR floor (0.80x vs 1.00x). Lima One lists 5-9 unit buildings on its main rental page; Kiavi lists 1-4 units.
  • Kiavi lends in 49 states and DC (not Utah). Lima One lends in 46 states and DC.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term KiaviLima One Capital
Loan amount $100,000 to $2,000,000$85,000 to $2,500,000
Max LTV (purchase) Up to 80% LTVUp to 80% LTV (75% cash-out)
Min FICO 660 direct; 680 through a broker660
Min DSCR 0.80x1.00x
Experience Not requiredNot required
Property types Single family, PUDs, 2-4 units, condosSingle family, 2-9 units, warrantable condos

Fix and flip loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term KiaviLima One Capital
Loan amount $100,000 to $5,000,000$100,000 to $5,000,000
Purchase Up to 100% of priceUp to 95% LTC
Rehab Up to 100%Up to 100%
Max ARV Up to 80% of ARVUp to 75% of ARV
Min FICO 660 direct; 680 through a broker660
Experience Not requiredOne exit in the last 36 months
Term 12, 18 or 24 months13, 19 or 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 KiaviLima One Capital
Loan amount $150,000 to $10,000,000$100,000 to $5,000,000
Max LTC Up to 85% of total costUp to 90% LTC
Max ARV Up to 70% of ARVUp to 75% of ARV
Min FICO 660 direct; 680 through a brokerNot published
Experience Not published for this productRequired: ground-up (on title or as GC) or fix-and-flip
Term 12, 18 or 24 months, with 3- or 6-month extensions19 or 24 months

States and borrower rules

LenderWhere it lendsBorrowing entityForeign 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]
Lima One Capital 46 states and Washington, DC. The excluded states are not listed on the pages read. [src] LLC or similar entity required for business-purpose rental loans. [src] Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][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.

DSCR rental loans. Lender figures read October 24, 2026.
Lender Loan amountMax LTV (purchase)Min FICOMin DSCRExperience Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close $75,000 to $2,000,000Up to 80% LTV (75% cash-out)6601.05xNot required terms
Kiavi $100,000 to $2,000,000Up to 80% LTV660 direct; 680 through a broker0.80xNot required [1][2]
Lima One Capital $85,000 to $2,500,000Up to 80% LTV (75% cash-out)6601.00xNot required [1][2]
Fix and flip loans. Lender figures read October 24, 2026.
Lender Loan amountPurchaseRehabMax ARVMin FICOExperienceTerm Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close $50,000 to $3,000,000Up to 90% of priceUp to 100%Up to 75% of ARVQuoted per loanNone required12 months; 18 months case by case terms
Kiavi $100,000 to $5,000,000Up to 100% of priceUp to 100%Up to 80% of ARV660 direct; 680 through a brokerNot required12, 18 or 24 months [1][2][3]
Lima One Capital $100,000 to $5,000,000Up to 95% LTCUp to 100%Up to 75% of ARV660One exit in the last 36 months13, 19 or 24 months [1][2]

Compare with your deal

Sources

  1. Kiavi: DSCR loans. Read October 24, 2026.
  2. Kiavi: fix-and-flip loans. Read October 24, 2026.
  3. Kiavi: new construction loans. Read October 24, 2026.
  4. Kiavi: states Kiavi lends in. Read October 24, 2026.
  5. Kiavi: company and product summary (llms.txt, published by Kiavi). Read October 24, 2026.
  6. Kiavi: FAQs. Read October 24, 2026.
  7. Figure: 'Figure Completes Acquisition of Kiavi' (GlobeNewswire, Sept. 1, 2026). Read October 24, 2026.
  8. SEC EDGAR: Figure Technology Solutions Form 8-K, Item 2.01, filed Sept. 1, 2026. Read October 24, 2026.
  9. Kiavi: bridge loans. Read October 24, 2026.
  10. Lima One: rental loans. Read October 24, 2026.
  11. Lima One: rental loan detail. Read October 24, 2026.
  12. Lima One: fix and flip loans. Read October 24, 2026.
  13. Lima One: fix and flip detail. Read October 24, 2026.
  14. Lima One: new construction loans. Read October 24, 2026.
  15. Lima One: new construction detail. Read October 24, 2026.
  16. Lima One: rental portfolio loans. Read October 24, 2026.

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