Kiavi for Missouri 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.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How Kiavi positions in Missouri
Within Missouri, Kiavi competes alongside other DSCR lenders. Kiavi strengths: national leader by volume, tech-forward application. The high aggregate DSCR economics of Missouri create demand for Kiavi programs in St. Louis and Kansas City particularly.
City-level coverage in Missouri
Kiavi provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across Missouri 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 |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
Kiavi strengths in Missouri
- 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 Missouri. Kiavi is based in San Francisco, CA and operates nationally.
St. Louis is the top investor market in Missouri and falls within Kiavi national coverage. St. Louis property tax follows the Missouri state rate of 1 percent. Kiavi typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Kansas City matters for property selection.
Kiavi applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, 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.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in Missouri.
Missouri allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
Kiavi in Missouri 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.