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.

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.

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	Kiavi	Lima One Capital
Loan amount	$100,000 to $2,000,000	$85,000 to $2,500,000
Max LTV (purchase)	Up to 80% LTV	Up to 80% LTV (75% cash-out)
Min FICO	660 direct; 680 through a broker	660
Min DSCR	0.80x	1.00x
Experience	Not required	Not required
Property types	Single family, PUDs, 2-4 units, condos	Single 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	Kiavi	Lima One Capital
Loan amount	$100,000 to $5,000,000	$100,000 to $5,000,000
Purchase	Up to 100% of price	Up to 95% LTC
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 80% of ARV	Up to 75% of ARV
Min FICO	660 direct; 680 through a broker	660
Experience	Not required	One exit in the last 36 months
Term	12, 18 or 24 months	13, 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	Kiavi	Lima One Capital
Loan amount	$150,000 to $10,000,000	$100,000 to $5,000,000
Max LTC	Up to 85% of total cost	Up to 90% LTC
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: ground-up (on title or as GC) or fix-and-flip
Term	12, 18 or 24 months, with 3- or 6-month extensions	19 or 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]
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 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]
Lima One Capital	$85,000 to $2,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not required	[1][2]

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]
Lima One Capital	$100,000 to $5,000,000	Up to 95% LTC	Up to 100%	Up to 75% of ARV	660	One exit in the last 36 months	13, 19 or 24 months	[1][2]

Compare with your deal

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.
Lima One: rental loans. Read October 24, 2026.
Lima One: rental loan detail. Read October 24, 2026.
Lima One: fix and flip loans. Read October 24, 2026.
Lima One: fix and flip detail. Read October 24, 2026.
Lima One: new construction loans. Read October 24, 2026.
Lima One: new construction detail. Read October 24, 2026.
Lima One: rental portfolio loans. Read October 24, 2026.