DSCRDeals
Lender Directory / Kiavi Financing
Digital DSCR

Kiavi Financing

A technology-forward rental lender whose current public DSCR product supports ratios as low as 0.8x and leverage up to 80% LTV.

Program snapshot

Min. DSCRAs low as 0.8x
RatesGet Current Pricing
Max LTVUp to 80%
Min. CreditCurrent hard minimum not publicly stated
Loan AmountsVerify current limits
ClosingFast process marketed; confirm actual timeline
Single Family2–4 UnitsCondosPUDs

Primary source: Kiavi rental loans

Verified highlights

  • Current rental page advertises DSCR as low as 0.8x
  • Up to 80% LTV
  • Online quote and streamlined digital process
Loan Terms & Transparency

How this loan is actually underwritten

DSCR calculationLower of 110% of appraised market rent or valid lease rent

Kiavi’s current rental-loan comparison states the rent used to qualify is the lower of 110% of appraised market rent and the valid lease rent. FICO and DSCR together drive leverage.

AppraisalRequired; Kiavi requests the appraisal

Kiavi says rental loans require an appraisal and its processor requests it. Public materials reviewed do not establish AMC vs. direct ordering or transferability.

Lender feesNo application fee; origination fee varies

Kiavi says it charges no application fee and the origination fee is based on final loan amount; the exact standard origination amount is not publicly fixed.

Reserves / escrowNo cash reserve requirement advertised

Kiavi’s current rental-loan page explicitly markets no cash reserve requirements.

PrepaymentNo prepayment penalty after year 3

The current rental-loan terms advertise no prepayment penalty after year three; confirm the exact first-three-year schedule on the term sheet.

What can affect termsFICO, DSCR, LTV and property factors

Kiavi states leverage is dictated by FICO and DSCR combined, while rates depend on borrower qualifications, LTV and property factors.

Last verified: Aug. 23, 2026 · Source: Kiavi Rental Property Loans

Best fit

  • Digital process
  • Lower-DSCR scenarios
  • Buy-and-hold investors

What to verify

  • Current public rental page does not state a universal hard FICO minimum.
  • Do not treat general Kiavi speed claims as a guaranteed DSCR closing time.
Important: DSCRDeals is an informational and matching service, not a lender or a commitment to lend. Rates, guidelines, eligibility and program availability can change and vary by borrower, property, state and market. Verify current terms directly with the lender. Some links may be affiliate/referral links; DSCRDeals may receive compensation if you apply or close through a partner link.