Kiavi for Arizona investors
Kiavi Funding LLC (NMLS #1125207) was acquired by Figure Technology Solutions; the acquisition closed 1 September 2026 and DSCR loans are now originated by Figure Lending LLC dba Figure. Figure has not published a timeline for combined guidelines or pricing. Kiavi (formerly LendingHome) was one of the largest hard money lenders by volume in the country, with a tech-forward platform and fast underwriting for experienced borrowers active across Chicago and all major investor markets.
Arizona context
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix.
How Kiavi positions in Arizona
For Arizona specifically, Kiavi fits investors who match the hard money approach. The medium cash flow profile of Arizona aggregate makes it workable for Kiavi.
City-level coverage in Arizona
Kiavi provides DSCR coverage across Arizona metros including Phoenix, Tucson, and Mesa. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across Arizona metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $100K - $2.0M |
| Rates | 5.875%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Arizona property tax | 0.6% |
| Arizona state income tax | 2.5% |
Kiavi strengths in Arizona
- national leader by volume
- tech-forward application
- aggressive on funded-deals-history borrowers
- broad property type coverage
Ideal borrower: Experienced investor wanting fast tech-driven origination with national reach
FAQ
Yes, operates nationally including Arizona. Kiavi is based in San Francisco, CA and operates nationally.
Phoenix is the top investor market in Arizona and falls within Kiavi national coverage. Phoenix property tax follows the Arizona state rate of 0.6 percent. Kiavi typically underwrites Phoenix acquisitions at standard rate sheets.
Yes. Tucson ranks among the larger Arizona investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Tucson matters for property selection.
Kiavi applies the same rate sheet across Arizona metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Phoenix, Tucson, and Mesa all qualify for the same Kiavi program.
Kiavi indicative DSCR rate range is 5.875 to 12 percent with 1 to 3 points.
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in Arizona.
Arizona allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
Arizona investors considering Kiavi should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Kiavi.