Kiavi for Oklahoma 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.
Oklahoma context
Oklahoma low property tax. Strong DSCR cash flow. Tornado risk.
How Kiavi positions in Oklahoma
Oklahoma 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 Oklahoma
Kiavi provides DSCR coverage across Oklahoma metros including Oklahoma City, Tulsa, and Norman. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across Oklahoma 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 |
| Oklahoma property tax | 0.9% |
| Oklahoma state income tax | 4.75% |
Kiavi strengths in Oklahoma
- 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 Oklahoma. Kiavi is based in San Francisco, CA and operates nationally.
Oklahoma City is the top investor market in Oklahoma and falls within Kiavi national coverage. Oklahoma City property tax follows the Oklahoma state rate of 0.9 percent. Kiavi typically underwrites Oklahoma City acquisitions at standard rate sheets.
Yes. Tulsa ranks among the larger Oklahoma investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Tulsa matters for property selection.
Kiavi applies the same rate sheet across Oklahoma metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Oklahoma City, Tulsa, and Norman all qualify for the same Kiavi program.
Kiavi indicative DSCR rate range is 5.875 to 12 percent with 1 to 3 points.
Oklahoma low property tax. Strong DSCR cash flow. Tornado risk. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in Oklahoma.
Oklahoma allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
Oklahoma investors considering Kiavi should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Kiavi.