Kiavi for Wisconsin 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.
Wisconsin context
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful.
How Kiavi positions in Wisconsin
Within Wisconsin, Kiavi competes alongside other DSCR lenders. Kiavi strengths: national leader by volume, tech-forward application. The high aggregate DSCR economics of Wisconsin create demand for Kiavi programs in Milwaukee and Madison particularly.
City-level coverage in Wisconsin
Kiavi provides DSCR coverage across Wisconsin metros including Milwaukee, Madison, and Green Bay. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across Wisconsin 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 |
| Wisconsin property tax | 2.1% |
| Wisconsin state income tax | 7.65% |
Kiavi strengths in Wisconsin
- 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 Wisconsin. Kiavi is based in San Francisco, CA and operates nationally.
Milwaukee is the top investor market in Wisconsin and falls within Kiavi national coverage. Milwaukee property tax follows the Wisconsin state rate of 2.1 percent. Kiavi typically underwrites Milwaukee acquisitions at standard rate sheets.
Yes. Madison ranks among the larger Wisconsin investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Madison matters for property selection.
Kiavi applies the same rate sheet across Wisconsin metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Milwaukee, Madison, and Green Bay all qualify for the same Kiavi program.
Kiavi indicative DSCR rate range is 5.875 to 12 percent with 1 to 3 points.
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in Wisconsin.
Wisconsin allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
For Wisconsin DSCR borrowers, Kiavi is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Kiavi.