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Kiavi vs. Lima One Capital
Both are national, institutionally backed lenders for residential investors. Lima One (a MFA Financial company) is strong on new construction and multifamily; Kiavi leads on fix-and-flip volume, speed, and a tech-first application.
Side by side
| Kiavi | Lima One Capital | |
|---|---|---|
| Best for | Fix-and-flip and DSCR rental at speed, tech-first process | New construction and multifamily value-add projects |
| Fix-and-flip rates (typical) | ~7.75%–12% | ~9%–12.5% |
| Max LTC / ARV | Up to 95% LTC / 80% ARV | Up to 92.5% LTC / 75% ARV |
| New construction loans | Yes (launched 2025) | Yes — long-standing specialty |
| Multifamily bridge | No (1–4 unit residential focus) | Yes, 5+ units |
| DSCR 30-year rental loans | Yes | Yes |
| Typical close speed | As fast as ~7–10 business days | ~2–3 weeks |
| New-customer offer | $350 cash after first closed loan via referral link | None advertised |
Typical terms as of late 2026; both lenders price per deal and change terms without notice.
Where Kiavi wins
Speed and simplicity on 1–4 unit deals. The application is online end-to-end, bridge loans skip income verification entirely, and experienced flippers get the most competitive pricing tier in the space.
Where Lima One Capital wins
Project breadth. Lima One goes where Kiavi doesn't: ground-up construction at scale and 5+ unit multifamily. If your pipeline includes apartment buildings, you'll need a lender like Lima One anyway.
Bottom line
For 1–4 unit flips and rentals, Kiavi is faster and usually cheaper. For multifamily or heavy ground-up construction, Lima One's product set is the better fit.