Kiavi: DSCR loans for short-term rentals
What Kiavi publishes about financing Airbnb and vacation rentals. Checked 2026-10-18. Lender website ↗
Published STR loan terms
- How STR income is counted
- Not published: Finances STRs, but the lender does not publish how it counts STR income.
- Details
- State page lists short-term rentals (Airbnb, vacation) as a DSCR use case. DSCR page: qualifying rent is the lower of 110% of appraised market rent and valid lease rent. STR-specific income method not published.
- Minimum credit score
- Not published
- Minimum DSCR
- 0.80
- DSCR below 1.0 allowed
- Yes
- No-ratio option
- Not published
- Max LTV (purchase)
- Not published
- Max LTV (cash-out refi)
- Not published
- Minimum loan
- Not published
- Maximum loan
- Not published
- Prepayment options
- Not published
- States served
- Not itemized (Homepage says 49 states + DC; exclusion not listed. AZ confirmed via state page.)
- First-time investors
- Yes
- Channel
- Direct lender
Notes: No hard credit pull at application per DSCR page. Says it serves first-time landlords.
Sources
- https://www.kiavi.com/loans/dscr (checked 2026-10-18)
- https://www.kiavi.com/states/arizona (checked 2026-10-18)
- https://www.kiavi.com/ (checked 2026-10-18)
"Not published" means we did not find the figure on the pages above. It does not mean the lender lacks a policy. Ask the lender.
Does it serve your state?
- Florida: Not itemized by lender
- Texas: Not itemized by lender
- Georgia: Not itemized by lender
- Tennessee: Not itemized by lender
- North Carolina: Not itemized by lender
- Arizona: Yes
- California: Not itemized by lender
Check a deal against Kiavi
Run your numbers in the DSCR calculator. It shows which lenders' published minimums your deal clears.
Similar lenders (Not published)
Not lending advice. Not a broker. STR Lender Watch is an independent research site. We do not make loans, arrange loans, take applications, or recommend any lender. Figures are summarized from each lender's own public pages on the date shown and can change without notice. Rate figures are estimates, not quotes. Talk to a licensed loan officer and your own advisors before making decisions.