Kiavi for Massachusetts 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.
Massachusetts context
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight.
How Kiavi positions in Massachusetts
Massachusetts is well covered by national DSCR lenders, with Kiavi as one option. Where Kiavi differentiates: national leader by volume. Where it competes: rates 5.875 to 12 percent against peer programs.
City-level coverage in Massachusetts
Kiavi provides DSCR coverage across Massachusetts metros including Boston, Worcester, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across Massachusetts 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 |
| Massachusetts property tax | 1.2% |
| Massachusetts state income tax | 9% |
Kiavi strengths in Massachusetts
- 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 Massachusetts. Kiavi is based in San Francisco, CA and operates nationally.
Boston is the top investor market in Massachusetts and falls within Kiavi national coverage. Boston property tax follows the Massachusetts state rate of 1.2 percent. Kiavi typically underwrites Boston acquisitions at standard rate sheets.
Yes. Worcester ranks among the larger Massachusetts investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Worcester matters for property selection.
Kiavi applies the same rate sheet across Massachusetts metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boston, Worcester, and Springfield all qualify for the same Kiavi program.
Kiavi indicative DSCR rate range is 5.875 to 12 percent with 1 to 3 points.
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in Massachusetts.
Massachusetts allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
Kiavi in Massachusetts works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Kiavi.