Kiavi vs Visio Lending
Kiavi offers flips + DSCR on one platform; Visio is DSCR-only but with deep expertise. Visio has a 5-year prepay penalty vs Kiavi's 3-year — a key difference for investors who may sell.
Shared products: DSCR · Updated March 2026
4.5
Kiavi
Wins 3 categories
4.2
Visio Lending
Wins 1 categories
Full Comparison
| Feature | Kiavi | Visio Lending |
|---|---|---|
| Interest Rates | 6.5%–12% | 6.5%–8.5% |
| Max LTV | 80% | 80% |
| Min Credit Score | 640Better | 680 |
| Loan Range | $100K–$3M | $75K–$2M |
| Origination Fee | 1–2 points | 1–2 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) | 5-4-3-2-1 step-down |
| Foreign National | No | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse | SFR (1-4), Condo, Townhouse, Multifamily (5+)Better |
| Loan Products | 4 productsBetter | 1 products |
| Founded | 2013 | 2012 |
| Editor Rating | 4.5 / 5.0Better | 4.2 / 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)
Visio Lending
Pros
- +DSCR specialist — deep product knowledge
- +Competitive rates for 30-year DSCR
- +Consistent underwriting process
- +Interest-only options available
- +Multifamily (2-8 units) eligible
Cons
- –DSCR only — no flip or bridge products
- –Longer closing times than fix-and-flip lenders
- –Longer prepayment penalty period (5 years)
- –Higher credit requirement (680+) than some competitors
Frequently Asked Questions
Is Kiavi or Visio Lending better for real estate investors?
Kiavi offers flips + DSCR on one platform; Visio is DSCR-only but with deep expertise. Visio has a 5-year prepay penalty vs Kiavi's 3-year — a key difference for investors who may sell.
What loan types do Kiavi and Visio Lending both offer?
Both lenders offer DSCR. Kiavi offers 4 total products vs Visio Lending's 1.
Which has lower rates, Kiavi or Visio Lending?
Kiavi advertises rates starting at 6.5% while Visio Lending 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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