Kiavi for Kansas 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.
Kansas context
Kansas strong cash flow.
How Kiavi positions in Kansas
Within Kansas, Kiavi competes alongside other DSCR lenders. Kiavi strengths: national leader by volume, tech-forward application. The high aggregate DSCR economics of Kansas create demand for Kiavi programs in Wichita and Kansas City KS particularly.
City-level coverage in Kansas
Kiavi provides DSCR coverage across Kansas metros including Wichita, Kansas City KS, and Topeka. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across Kansas 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 |
| Kansas property tax | 1.5% |
| Kansas state income tax | 5.7% |
Kiavi strengths in Kansas
- 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 Kansas. Kiavi is based in San Francisco, CA and operates nationally.
Wichita is the top investor market in Kansas and falls within Kiavi national coverage. Wichita property tax follows the Kansas state rate of 1.5 percent. Kiavi typically underwrites Wichita acquisitions at standard rate sheets.
Yes. Kansas City KS ranks among the larger Kansas investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Kansas City KS matters for property selection.
Kiavi applies the same rate sheet across Kansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wichita, Kansas City KS, and Topeka all qualify for the same Kiavi program.
Kiavi indicative DSCR rate range is 5.875 to 12 percent with 1 to 3 points.
Kansas strong cash flow. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in Kansas.
Kansas allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
For Kansas DSCR borrowers, Kiavi is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Kiavi.