Lender profile
Kiavi
hard money · San Francisco, CA · founded 2013
Verified Sep 17, 2026
Kiavi Funding LLC (NMLS #1125207) was acquired by Figure Technology Solutions in a deal that closed September 1, 2026; DSCR rental loans are now originated by Figure Lending LLC dba Figure, which has not published a timeline for combined guidelines or pricing. Under the pre-acquisition program, Kiavi financed 30-year rental loans in 49 states with a 660 minimum credit score and a 0.80 minimum DSCR, at loan sizes from $100,000 to $2,000,000 and up to 80% LTV / 95% LTC.
Ownership & status
Kiavi Funding LLC was acquired by Figure Technology Solutions. The acquisition closed 1 September 2026, and DSCR loans are now originated by Figure Lending LLC dba Figure. Figure has not published a timeline for combined guidelines or pricing, so the Kiavi figures on this page describe the program as it operated before the acquisition closed.
Published facts
Loan size
$100,000 – $2,000,000
Max LTV
80%
Max LTC
95%
Min credit score
660
Min DSCR
0.80
States covered
49
Terms
12-24 months (hard money) / 30-year (rental)
Close time
7-14 days typical
Products
Strengths
- 30-year rental loans licensed in 49 states
- 0.80 minimum DSCR — qualifies below-market-rent properties
- Up to 95% LTC / 80% LTV
- Acquired by Figure Technology Solutions — acquisition closed 1 Sep 2026
Who this lender suits
An investor evaluating Kiavi's 49-state rental program while Figure integrates it, who can qualify at a 0.80 DSCR floor and 660 credit score
More on Kiavi
Full requirements
Credit, DSCR, leverage and loan-size criteria
Rate & points range
Published pricing, not a quote
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