Kiavi for Ohio 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.
Ohio context
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios.
How Kiavi positions in Ohio
The Ohio lender pool for DSCR includes Kiavi among the active platforms. Ohio top metros (Columbus, Cleveland, Cincinnati) see meaningful Kiavi loan volume.
City-level coverage in Ohio
Kiavi provides DSCR coverage across Ohio metros including Columbus, Cleveland, and Cincinnati. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across Ohio 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 |
| Ohio property tax | 1.6% |
| Ohio state income tax | 3.99% |
Kiavi strengths in Ohio
- 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 Ohio. Kiavi is based in San Francisco, CA and operates nationally.
Columbus is the top investor market in Ohio and falls within Kiavi national coverage. Columbus property tax follows the Ohio state rate of 1.6 percent. Kiavi typically underwrites Columbus acquisitions at standard rate sheets.
Yes. Cleveland ranks among the larger Ohio investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Cleveland matters for property selection.
Kiavi applies the same rate sheet across Ohio metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Columbus, Cleveland, and Cincinnati all qualify for the same Kiavi program.
Kiavi indicative DSCR rate range is 5.875 to 12 percent with 1 to 3 points.
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in Ohio.
Ohio allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
Kiavi in Ohio 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.