Kiavi vs Griffin Funding
Kiavi is a multi-product platform — flips, bridge, and DSCR — for active 1-4 unit investors, with fast fully-digital closings. Griffin Funding focuses on DSCR and bank-statement loans for self-employed borrowers and foreign nationals, accepts a lower 620 credit floor, but has no flip or bridge products and closes slower (21-30 days). Choose Kiavi for active multi-strategy investing; Griffin for self-employed or foreign-national DSCR borrowers.
Shared products: DSCR · Updated March 2026
4.5
Kiavi
Wins 2 categories
4.0
Griffin Funding
Wins 3 categories
Full Comparison
| Feature | Kiavi | Griffin Funding |
|---|---|---|
| Interest Rates | 6.5%–12% | 6.5%–9% |
| Max LTV | 80% | 80% |
| Min Credit Score | 640 | 620Better |
| Loan Range | $100K–$3M | $100K–$5M |
| Origination Fee | 1–2 points | 0–2 points |
| Speed to Close | 10–21 days | 21–30 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-2-1 step-down (DSCR) | 3-year step-down (DSCR) |
| Foreign National | No | YesBetter |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse | SFR (1-4), Condo, Townhouse, Multifamily (5+)Better |
| Loan Products | 4 productsBetter | 2 products |
| Founded | 2013 | 2013 |
| Editor Rating | 4.5 / 5.0Better | 4.0 / 5.0 |
Pros & Cons
Kiavi
Pros
- +Fully digital platform — apply to close online
- +Competitive rates for experienced borrowers (volume discounts)
- +Bridge-to-DSCR conversion available (one-loan BRRRR)
- +Fast closings for repeat borrowers (10–14 days on flips)
- +No experience required for DSCR loans
Cons
- –Limited to 1-4 unit residential (no multifamily or commercial)
- –No foreign national programs
- –Minimum loan $100K (excludes low-cost markets)
- –DSCR prepayment penalty (3-2-1)
Griffin Funding
Pros
- +Low credit minimum (620) for DSCR
- +Bank statement programs for self-employed
- +Foreign national financing available
- +High max loan amount ($5M)
- +Interest-only options
Cons
- –No fix-and-flip or bridge products
- –Closing times on the longer side (21-30 days)
- –Prepayment penalties on DSCR products
Frequently Asked Questions
Is Kiavi or Griffin Funding better for real estate investors?
Kiavi is a multi-product platform — flips, bridge, and DSCR — for active 1-4 unit investors, with fast fully-digital closings. Griffin Funding focuses on DSCR and bank-statement loans for self-employed borrowers and foreign nationals, accepts a lower 620 credit floor, but has no flip or bridge products and closes slower (21-30 days). Choose Kiavi for active multi-strategy investing; Griffin for self-employed or foreign-national DSCR borrowers.
What loan types do Kiavi and Griffin Funding both offer?
Both lenders offer DSCR. Kiavi offers 4 total products vs Griffin Funding's 2.
Which has lower rates, Kiavi or Griffin Funding?
Kiavi advertises rates starting at 6.5% while Griffin Funding starts at 6.5%. Both have the same starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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