Kiavi
Depends
Confidence: Medium
Buy if you're an active real estate investor needing fast fix-and-flip or DSCR leverage and accept hard-money pricing.
New check
Comparison
Kiavi vs LendingOne
Kiavi and LendingOne both land on Depends.
LendingOne
Depends
Confidence: Medium
Use LendingOne if you are a real estate investor with 680+ credit needing DSCR, fix-and-flip, or build-to-rent financing.
| Compare | Kiavi | LendingOne |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Active house flippers needing speed | DSCR rental investors |
| Who it's not for | Owner-occupant homebuyers . investors only | Owner-occupied homebuyers |
| Privacy | No known public vulnerabilities found in the sources reviewed; maintains a HackerOne response policy and uses Cloudflare.10 | No known public vulnerabilities found in the sources reviewed. |
| Support quality | Rep praise exists; disappointment complaints too | CNBC #1 service claim; 4/5 Trustpilot |
| Public sentiment | Sentiment is mixed: praise for speed and specific reps alongside complaints about rejections and disappointing experiences.⁴ | Investors rate LendingOne 4/5 on Trustpilot and frequently comparison-shop it against rivals like Lima One on investor forums.12 |
| Biggest gotcha | State coverage varies: Florida lending paused indefinitely.⁷ | Brokered loans cost 1 point or $2,000 minimum . whichever is greater.14 |
Pick Kiavi when
- Active house flippers needing speed
- Rental investors using DSCR leverage
- Investors who can't qualify conventionally
- Brokers placing investor deals
When Kiavi is not a fit
- Owner-occupant homebuyers . investors only
- Florida-based investors right now
- Borrowers who qualify for conventional mortgages
- Thin-file or first-time borrowers . rejections reported
Pick LendingOne when
- DSCR rental investors
- Fix-and-flip borrowers
- Build-to-rent sponsors
- SFR portfolio owners
When LendingOne is not a fit
- Owner-occupied homebuyers
- Borrowers with credit under 680
- Primary-residence mortgage shoppers
- First-time investors wanting rock-bottom fees
Sources
- Kiavi homepagekiavi.comofficial
- Kiavi press: 100,000 loans fundedkiavi.comofficial
- Kiavi fix-and-flip loanskiavi.comofficial
- Trustpilot reviewstrustpilot.comreview
- Zillow lender profilezillow.comreview
- Reddit: anyone use Kiavi for hard moneyreddit.comreview
- Reddit: Kiavi not lending in Floridareddit.comreview
- Businesswire: LendingHome rebrands as Kiavibusinesswire.comnews
- Law360: Figure acquires Kiavi for $717Mlaw360.comnews
- HackerOne response policyhackerone.comsecurity
- LendingOne: Real Estate Investor Loanslendingone.comofficial
- LendingOne, LLC Reviews | Trustpilottrustpilot.comreview
review
- Direct Lending Solutions For Mortgage Brokerslendingone.comofficial
- What are your go-to DSCR lenders?reddit.comreview
- r/DSCRlendersreddit.comreview