Kiavi vs RCN Capital
Kiavi has the better tech platform and volume pricing; RCN Capital accepts lower credit scores (620 vs 640) and offers foreign national programs. Choose RCN if credit is a factor.
Shared products: DSCR, Fix & Flip, Bridge · Updated March 2026
4.5
Kiavi
Wins 2 categories
4.1
RCN Capital
Wins 3 categories
Full Comparison
| Feature | Kiavi | RCN Capital |
|---|---|---|
| Interest Rates | 6.5%–12% | 6.5%–12% |
| Max LTV | 80% | 80% |
| Min Credit Score | 640 | 620Better |
| Loan Range | $100K–$3M | $75K–$2.5M |
| 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 or 5-4-3-2-1 (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 | 3 products |
| Founded | 2013 | 2010 |
| Editor Rating | 4.5 / 5.0Better | 4.1 / 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)
RCN Capital
Pros
- +Low minimum credit score (620 for DSCR)
- +Competitive DSCR rates
- +Foreign national programs available
- +Works with first-time investors
- +Small multifamily eligible
Cons
- –Higher origination fees than some competitors
- –Longer prepayment penalties on some DSCR products
- –Less technology-driven than Kiavi
Frequently Asked Questions
Is Kiavi or RCN Capital better for real estate investors?
Kiavi has the better tech platform and volume pricing; RCN Capital accepts lower credit scores (620 vs 640) and offers foreign national programs. Choose RCN if credit is a factor.
What loan types do Kiavi and RCN Capital both offer?
Both lenders offer DSCR, Fix & Flip, Bridge. Kiavi offers 4 total products vs RCN Capital's 3.
Which has lower rates, Kiavi or RCN Capital?
Kiavi advertises rates starting at 6.5% while RCN Capital 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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