Published terms, read October 24, 2026

Kiavi vs Visio Lending: published loan terms side by side

Credit on rentals: Kiavi publishes a 660 minimum, Visio Lending 680. 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.

Visio Lending

Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.

The differences that change a deal

Leverage on a rental purchase: up to 80% at Kiavi, 85% at Visio Lending, which is 5 points of down payment on the same house.
Kiavi publishes terms for fix and flip loans; Visio Lending publishes no terms of its own for them.
Kiavi publishes terms for ground-up construction loans; Visio Lending publishes no terms of its own for them.
DSCR floor: Kiavi publishes a 0.80x minimum; Visio Lending does not publish a floor, so ask before you order an appraisal.
Smallest DSCR loan: $100,000 at Kiavi, $75,000 at Visio Lending.
Borrowing entity: Kiavi: business entity required in every state it lends in. Visio Lending: optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA.

DSCR rental loans

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

Kiavi also publishes fix and flip loans; Visio Lending does not. Kiavi also publishes ground-up construction loans; Visio Lending 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]
Visio Lending	Described as nationwide; the state map is not published as text. [src]	Optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA. [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]
Visio Lending	From $75,000 (maximum not published)	Up to 85% LTV on a purchase	680	Not published	Not published	[1][2][3][4]

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.
Visio Lending: home page (state notes). Read October 24, 2026.
Visio Lending: 85% LTV purchase loans. Read October 24, 2026.
Visio Lending: long-term rental guide. Read October 24, 2026.
Visio Lending: DSCR loans. Read October 24, 2026.