STR Lender Watch Get lender alerts

Kiavi alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with Kiavi on the core loan terms both lenders publish. Each figure links to the lender page it came from, with the date we checked it.

Read this first

Based on published terms only; rates and pricing aren't compared. Confirm with each lender. A term one side doesn't publish is “not comparable (not published)” and doesn't count either way. Nothing here is a ranking.

At least as flexible on every shared term
1
More flexible on some terms
6
Direct lenders compared
24
Checked
Oct 22, 2026

What Kiavi publishes

The terms every alternative below is compared against. Verified from lender's own page on Oct 22, 2026

Kiavi published core terms
TermKiavi
Min credit scoreNot published
Min DSCR0.80source · Oct 22, 2026
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionNot published
Max LTV (purchase)80%source · Oct 22, 2026
Max LTV (cash-out)Not published
Min loanNot published
Max loanNot published
STR income methodNot published
First-time investorsYessource · Oct 22, 2026
States servedAll except UTsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Kiavi on every term both lenders publish, with at least 3 terms in common. ✓ = more flexible, = = the same. Sorted by how many terms can be compared, then how many are more flexible.

Griffin Funding 2 more flexible · 2 same · 4 compared

Griffin Funding compared with Kiavi on terms both publish
TermKiaviGriffin Fundingvs Kiavi
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)80%85%source · Oct 22, 2026more flexible
First-time investorsYesYessource · Oct 22, 2026same
States servedAll except UTAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min credit score, Min DSCR, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method.

Griffin Funding lender pageCompare Kiavi and Griffin Funding

More flexible on some terms

More flexible than Kiavi on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off.

Quickline Capital 5 terms compared

  • More flexibleMin DSCR: 0.75 vs 0.80
  • DifferentStates served: lists 1 state (UT) Kiavi doesn't, but not 1 state (DC) Kiavi lists
  • SameDSCR below 1.0, Max LTV (purchase), First-time investors
  • Not comparable (not published)Min credit score, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method

Values: Quickline Capital first, then Kiavi. Sources and check dates are on each lender page.

Quickline Capital lender pageCompare Kiavi and Quickline Capital

LendSure Mortgage 4 terms compared

  • More flexibleMin DSCR: 0.75 vs 0.80; Max LTV (purchase): 85% vs 80%
  • DifferentStates served: lists 1 state (UT) Kiavi doesn't, but not 1 state (NY) Kiavi lists
  • SameDSCR below 1.0
  • Not comparable (not published)Min credit score, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method, First-time investors

Values: LendSure Mortgage first, then Kiavi. Sources and check dates are on each lender page.

LendSure Mortgage lender pageCompare Kiavi and LendSure Mortgage

LendingOne 4 terms compared

  • More flexibleMin DSCR: 0.75 vs 0.80
  • DifferentStates served: lists 1 state (UT) Kiavi doesn't, but not 5 states (AK, NV, ND, SD, DC) Kiavi lists
  • SameDSCR below 1.0, Max LTV (purchase)
  • Not comparable (not published)Min credit score, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method, First-time investors

Values: LendingOne first, then Kiavi. Sources and check dates are on each lender page.

LendingOne lender pageCompare Kiavi and LendingOne

NQM Funding 4 terms compared

  • More flexibleMin DSCR: 0.75 vs 0.80
  • DifferentStates served: lists 1 state (UT) Kiavi doesn't, but not 2 states (HI, NY) Kiavi lists
  • SameDSCR below 1.0, First-time investors
  • Not comparable (not published)Min credit score, No-ratio option, Max LTV (purchase), Max LTV (cash-out), Min loan, Max loan, STR income method

Values: NQM Funding first, then Kiavi. Sources and check dates are on each lender page.

NQM Funding lender pageCompare Kiavi and NQM Funding

theLender 4 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%
  • DifferentStates served: lists 1 state (UT) Kiavi doesn't, but not 1 state (NY) Kiavi lists
  • SameDSCR below 1.0, First-time investors
  • Not comparable (not published)Min credit score, Min DSCR, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method

Values: theLender first, then Kiavi. Sources and check dates are on each lender page.

theLender lender pageCompare Kiavi and theLender

Angel Oak Mortgage Solutions 3 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%
  • DifferentStates served: lists 1 state (UT) Kiavi doesn't, but not 4 states (AK, MA, NY, VT) Kiavi lists
  • SameDSCR below 1.0
  • Not comparable (not published)Min credit score, Min DSCR, No-ratio option, Max LTV (cash-out), Min loan, Max loan, STR income method, First-time investors

Values: Angel Oak Mortgage Solutions first, then Kiavi. Sources and check dates are on each lender page.

Angel Oak Mortgage Solutions lender pageCompare Kiavi and Angel Oak Mortgage Solutions

How this page is built

Lower minimum credit score, minimum DSCR and minimum loan count as more flexible; so do higher max LTVs and max loan, a published “Yes” on DSCR below 1.0, no-ratio and first-time investors, an STR income method that accepts projections where Kiavi counts booking history only, and a state list that includes all of Kiavi's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

Kiavi

Find a lender

Free · Lender change alerts
  • When a lender we track changes a published term (credit score, LTV, DSCR, STR income rules, states), we email you
  • Old value, new value and a link to the lender's own page
  • No set schedule: we email when there's a change to report. Every change is also on the change log

Free download: the STR DSCR lender cheat sheet (PDF), every direct lender on one printable page. Web version

No spam, unsubscribe anytime. Form not loading? Subscribe here.

Closed an STR DSCR loan?

Share the rate you got so other hosts can see what loans really cost. Anonymous, no personal info, reviewed before it appears.

Share your rate

Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.