Published terms, read October 24, 2026

Kiavi vs RCN Capital: published loan terms side by side

RCN publishes its limits by tier (credit score for rentals, past flips and builds for short-term loans). Kiavi publishes headline maximums and prices the rest per deal. 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.

RCN Capital

Investor lender offering fix-and-flip, bridge, rental, construction, portfolio and 5+ unit loans, with published tiers by experience and credit score.

The differences that change a deal

A first flip: Kiavi lists no experience minimum and up to 100% of price; RCN's no-experience tier is 70% of price and 60% of ARV.
Rentals: Kiavi's DSCR floor is 0.80x, RCN's 1.00x. RCN lends smaller (from $70,000, up to $1.5 million); Kiavi lends $100,000 to $2 million.
Construction: Kiavi goes to $10 million; RCN to $2 million.
States: Kiavi excludes Utah; RCN excludes Alaska, Nevada, Utah, North Dakota, South Dakota and Vermont.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Kiavi	RCN Capital
Loan amount	$100,000 to $2,000,000	$70,000 to $1,500,000
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 published
Property types	Single family, PUDs, 2-4 units, condos	1-4 units, condos, townhomes, PUDs

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	RCN Capital
Loan amount	$100,000 to $5,000,000	$75,000 to $2,000,000
Purchase	Up to 100% of price	Up to 95% of price (100% for the top tier)
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	650
Experience	Not required	Not required; tiers by flips in the last 3 years
Term	12, 18 or 24 months	12 to 18 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	RCN Capital
Loan amount	$150,000 to $10,000,000	$100,000 to $2,000,000
Max LTC	Up to 85% of total cost	Up to 90% LTC (experienced tier)
Max ARV	Up to 70% of ARV	Up to 75% of ARV
Min FICO	660 direct; 680 through a broker	650
Experience	Not published for this product	Not required; tiers by projects built
Term	12, 18 or 24 months, with 3- or 6-month extensions	12 to 24 months

RCN Capital also publishes rental portfolio (blanket) loans; Kiavi 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]
RCN Capital	Most states. Not available in Alaska, Nevada, Utah, North Dakota, South Dakota or Vermont. [src]	Loans are made to a business entity. [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]
RCN Capital	$70,000 to $1,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not published	[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]
RCN Capital	$75,000 to $2,000,000	Up to 95% of price (100% for the top tier)	Up to 100%	Up to 75% of ARV	650	Not required; tiers by flips in the last 3 years	12 to 18 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.
RCN Capital: loan programs. Read October 24, 2026.
RCN Capital: FAQs. Read October 24, 2026.