Kiavi for Mississippi 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.
Mississippi context
Mississippi deep cash flow market. Gulf Coast STR active.
How Kiavi positions in Mississippi
The Mississippi lender pool for DSCR includes Kiavi among the active platforms. Mississippi top metros (Jackson, Gulfport, Hattiesburg) see meaningful Kiavi loan volume.
City-level coverage in Mississippi
Kiavi provides DSCR coverage across Mississippi metros including Jackson, Gulfport, and Hattiesburg. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across Mississippi 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 |
| Mississippi property tax | 0.8% |
| Mississippi state income tax | 4.7% |
Kiavi strengths in Mississippi
- 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 Mississippi. Kiavi is based in San Francisco, CA and operates nationally.
Jackson is the top investor market in Mississippi and falls within Kiavi national coverage. Jackson property tax follows the Mississippi state rate of 0.8 percent. Kiavi typically underwrites Jackson acquisitions at standard rate sheets.
Yes. Gulfport ranks among the larger Mississippi investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Gulfport matters for property selection.
Kiavi applies the same rate sheet across Mississippi metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Jackson, Gulfport, and Hattiesburg all qualify for the same Kiavi program.
Kiavi indicative DSCR rate range is 5.875 to 12 percent with 1 to 3 points.
Mississippi deep cash flow market. Gulf Coast STR active. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in Mississippi.
Mississippi allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
Kiavi in Mississippi 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.