Kiavi vs Lima One Capital
Both are top-tier multi-product lenders. Kiavi wins on tech and speed for experienced borrowers; Lima One wins on product breadth (construction, multifamily) and accessibility for new investors.
Shared products: DSCR, Fix & Flip, Bridge, Fix & Rent · Updated March 2026
4.5
Kiavi
Wins 3 categories
4.3
Lima One Capital
Wins 3 categories
Full Comparison
| Feature | Kiavi | Lima One Capital |
|---|---|---|
| Interest Rates | 6.5%–12%Better | 7%–12.5% |
| Max LTV | 80% | 80% |
| Min Credit Score | 640Better | 660 |
| Loan Range | $100K–$3M | $75K–$5M |
| Origination Fee | 1–2 points | 1.5–3 points |
| Speed to Close | 10–21 days | 14–21 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) | 3-2-1 step-down (DSCR) |
| Foreign National | No | YesBetter |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse | SFR (1-4), Multifamily (5+), Mixed Use, Condo, Townhouse, New ConstructionBetter |
| Loan Products | 4 products | 5 productsBetter |
| Founded | 2013 | 2010 |
| Editor Rating | 4.5 / 5.0Better | 4.3 / 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)
Lima One Capital
Pros
- +Broadest product range — flips, DSCR, construction, and multifamily
- +Works with first-time investors
- +Ground-up construction financing available
- +Foreign national programs
- +Multifamily up to 5+ units
Cons
- –Slightly higher rates than Kiavi for experienced borrowers
- –Origination fees on the higher end (1.5–3 points)
- –Draw process for construction can be slow
Frequently Asked Questions
Is Kiavi or Lima One Capital better for real estate investors?
Both are top-tier multi-product lenders. Kiavi wins on tech and speed for experienced borrowers; Lima One wins on product breadth (construction, multifamily) and accessibility for new investors.
What loan types do Kiavi and Lima One Capital both offer?
Both lenders offer DSCR, Fix & Flip, Bridge, Fix & Rent. Lima One Capital offers 5 total products vs Kiavi's 4.
Which has lower rates, Kiavi or Lima One Capital?
Kiavi advertises rates starting at 6.5% while Lima One Capital starts at 7%. Kiavi has the lower 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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