Kiavi DSCR Rental Loan
Program type: dscr
DSCR rules
- Minimum DSCR
- n/a
- Sub-1.0 DSCR allowed
- Yes
- Sub-1.0 floor
- 0.80
- No-ratio option
- No
- No-ratio max LTV
- n/a
Credit and leverage
- Minimum FICO
- Not published
- Max LTV, purchase
- 80%
- Max LTV, rate/term
- 80%
- Max LTV, cash-out
- n/a
- Loan amount
- $75,000 to $2,000,000
Geography and collateral
- States
- Not published
- Property types
- Single-family, 2-4 units, Condo, PUD
- Short-term rentals
- No
- STR minimum DSCR
- n/a
- Rural allowed
- Not published
- Max acres
- Not published
- Min square feet
- Not published
Borrower rules
- Entity (LLC) borrowers
- Yes
- Individual borrowers
- Yes
- Foreign nationals
- No
- ITIN borrowers
- No
- First-time investors
- Yes
- Minimum experience
- Not published
- Cash-out seasoning
- 3 months
- Reserves
- 0 months
- Max loans per borrower
- Not published
Terms
- Prepay options
- 3 yr (no prepayment penalty after year 3)
- Prepay required
- Yes
- Interest-only
- Yes
- Terms
- 30 yr
- Rate types
- 30-yr fixed
Provenance
- Source
- Program page
- Document
- None public
- Source retrieved
- Oct 4, 2026
- Last verified
- Not yet verified by a human
- Auto-checked
- Oct 4, 2026, matched the source
Research notes
Found on kiavi.com/loans/dscr and /loans/rental: "DSCR as low as 0.8x" (footnoted, so likely tier-dependent), "Up to 80% LTV" (not broken out by transaction type; 80 is recorded for purchase and rate-term, cash-out max LTV not stated so null), eligible types "Single-family rentals, PUDs, 2-4 unit properties, and condos" non-owner-occupied, "30-year fixed rates", "5/1 + 7/1 ARMs fully amortizing", "Interest-only options", "No prepayment penalty after year 3", cash-out refi "after 90 days of ownership, or on free-and-clear properties" (recorded as 3 months), "No minimum liquidity requirement" (recorded as reservesMonths 0), rent qualified at "lower of 110% of appraised market rent and your valid lease rent", "Rates as low as 6.125%". NOT found: min FICO, min/max loan amount, state list (homepage says 49 states + DC but excluded state not named), STR policy, entity/LLC, foreign national, first-time investor rules, max loans. The 5/1 and 7/1 ARMs do not map to the brief's arm_5_6/arm_7_6 vocabulary (those are 6-month reset ARMs), so only 30_fixed is recorded in rateTypes; ARMs are noted here. entityAllowed/individualAllowed/firstTimeInvestorAllowed are true and strAllowed/foreignNationalAllowed/itinAllowed/noRatioAllowed false by the brief's silence rule. No guideline matrix or PDF exists on the public site.