Published terms, read October 29, 2026
Kiavi vs Temple View Capital: published loan terms side by side
DSCR floor: Kiavi 0.80x, Temple View 0.75x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Kiavi needs at least $1,600 of rent; Temple View needs at least $1,500 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.
Temple View Capital
Private portfolio lender to residential real estate investors, headquartered in Bethesda, Maryland. Its footer dates Temple View Capital, LLC to 2012 and the lending entity, Temple View Capital Funding, LP, to 2016.
The differences that change a deal
- Foreign nationals: Temple View: eligible on DSCR rental loans (the DSCR page says it is now lending to foreign nationals). Not stated for the other programs. Kiavi: not eligible. Borrowers must be US citizens or permanent residents.
- States: Kiavi excludes Utah, which Temple View does not list as excluded; Temple View excludes North Dakota, South Dakota and Vermont, which Kiavi does not list as excluded.
- Flip cap on after-repair value: 80% at Kiavi, 75% at Temple View. On a house worth $300,000 finished, that is $15,000 of loan.
- Smallest DSCR loan: $100,000 at Kiavi, $55,000 at Temple View.
- Largest DSCR loan: $2 million at Kiavi, $2.5 million at Temple View.
- Largest construction loan: $10 million at Kiavi, $7.5 million at Temple View.
- Construction loan-to-cost: up to 85% at Kiavi, 90% at Temple View.
- Largest flip loan: $5 million at Kiavi, $6 million at Temple View.
DSCR rental loans
| Term | Kiavi | Temple View Capital |
|---|---|---|
| Loan amount | $100,000 to $2,000,000 | $55,000 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 | 0.75x on long-term rentals; 1.0x on short-term rentals |
| Experience | Not required | Not published |
| Property types | Single family, PUDs, 2-4 units, condos | Single family, 2-4 units, condos, townhomes, PUDs (non-owner-occupied) |
Fix and flip loans
| Term | Kiavi | Temple View Capital |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | $75,000 to $6,000,000 |
| Purchase | Up to 100% of price | Up to 90% LTV |
| Rehab | Up to 100% | Up to 100% (rehab budget 100% funded) |
| Max ARV | Up to 80% of ARV | Up to 75% of ARV |
| Min FICO | 660 direct; 680 through a broker | Not published for rehab loans (bridge loans require 660) |
| Experience | Not required | Not published (experience is an underwriting factor) |
| Term | 12, 18 or 24 months | Up to 24 months |
Ground-up construction loans
| Term | Kiavi | Temple View Capital |
|---|---|---|
| Loan amount | $150,000 to $10,000,000 | $200,000 to $7,500,000 |
| Max LTC | Up to 85% of total cost | Up to 90% of total cost |
| Max ARV | Up to 70% of ARV | Up to 75% of ARV |
| Min FICO | 660 direct; 680 through a broker | Not published |
| Experience | Not published for this product | Required (program is for experienced builders and investors) |
| 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] |
| Temple View Capital | 47 states. North Dakota, South Dakota and Vermont are excluded; other states may be approved by exception. Its licensing note says some services may not be available to Nevada customers. [src][src] | Business entity required. Properties must be held in an approved entity such as an LLC or corporation, not in a personal name. [src][src][src][src] | Eligible on DSCR rental loans (the DSCR page says it is now lending to foreign nationals). Not stated for the other programs. [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] |
| Temple View Capital | $55,000 to $2,500,000 | Up to 80% LTV | 660 | 0.75x on long-term rentals; 1.0x on short-term rentals | Not published | [1][2][3] |
| 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] |
| Temple View Capital | $75,000 to $6,000,000 | Up to 90% LTV | Up to 100% (rehab budget 100% funded) | Up to 75% of ARV | Not published for rehab loans (bridge loans require 660) | Not published (experience is an underwriting factor) | Up to 24 months | [1][2] |
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.
- Temple View: DSCR loan program. Read October 29, 2026.
- Temple View: Rehab (fix and flip) loans. Read October 29, 2026.
- Temple View: Bridge loans. Read October 29, 2026.
- Temple View: Ground up construction. Read October 29, 2026.
- Temple View: FAQs. Read October 29, 2026.
- Temple View: Homepage and licensing footer. 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.