Asset Based Lending vs Kiavi
Rates as of June 19, 2026Estimated DSCR loan rates compared across 24 borrower scenarios.
Asset Based Lending
0 scenarios lowest
- Min DSCR
- 1
- Max LTV
- 80%
- Min FICO
- 660
Which should you choose?
Across the 0 scenarios where both price, the two are evenly matched (0–0). But the cheaper option flips by borrower profile:
- Asset Based Lending stretches furthest ahead on Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR — 6.21% vs 6.21%.
- Kiavi is strongest on Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR — 6.21% vs 6.21%.
On program terms, Asset Based Lending allows up to 80% LTV, DSCR from 1, 660+ FICO, loans $85,000–$2,500,000; Kiavi allows up to 80% LTV, DSCR from 0.8, 660+ FICO, loans $75,000–$3,000,000.
Bottom line: Asset Based Lending is best for investors who want a competitive headline rate with rate-lock certainty. Kiavi is best for investors who want a fast, fully-online close and flexible coverage.
Rate by scenario, side by side
Estimated, not a quote.Each lender’s starting rate is anchored to its own publicly-advertised “as low as” DSCR rate (cited and dated on the lender’s page); per-scenario figures apply a standard industry adjustment model— not any lender’s confidential pricing grid — so the comparison stays apples-to-apples. These are not offers; your actual rate depends on the lender, property, and full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.