Updated September 2026
Market note
Figure acquired Kiavi on September 1, 2026. Your rental file did not move.
On September 1, 2026, Figure acquired Kiavi. Kiavi was one of the names investors used for rental loans. Figure is known for home-equity lines. The combination changes who services and prices some investor and equity products. It does not change the math on your property. A DSCR loan is still gross rent divided by PITIA. THEMONEYDOOR still funds that file: no tax returns, sub-1.0 on Flexible DSCR, no-ratio when the ratio should not exist, and a HELOC when the first mortgage should stay. We are not Figure and we are not Kiavi. If a loan you already have is moving servicers, read that notice. If you need a new rental loan or a line, qualify here and we text the options.
The screen
| Question | Straight answer |
|---|---|
| What closed? | Figure acquired Kiavi on September 1, 2026 |
| Does my THEMONEYDOOR file move? | No. We are a separate lender |
| What is DSCR still? | Rent divided by PITIA. About 1.00x, better at 1.25x |
| What if I wanted a Kiavi rental loan? | Bring the same property here. No tax returns on standard DSCR |
| What if I wanted a Figure-style line? | Ask about a HELOC. It is not a home equity investment |
What we fund
- Investors shopping a rental loan after the acquisition
- Owners who want a HELOC and a DSCR quote in one text
- BRRRR exits that should not wait on a new corporate brand
What we still need. Short list.
- The property, the rent, and the credit band
- No assumption that a Kiavi term sheet transfers
- A real guideline match, not a headline
Questions
Did Figure buy Kiavi?
Yes. The acquisition date is September 1, 2026.
Are THEMONEYDOOR and Figure the same company?
No.
Will you match a Kiavi or Figure rate?
We do not publish teaser rates. We text options on your file. Not a rate lock.
What should an investor do with a rental purchase right now?
Qualify it as DSCR if the rent is the income. Use no-ratio if the ratio is the wrong test. Use bridge only if the property is not ready.
Does a HELOC from this news mean no payments?
No. A HELOC is a line you repay. We do not sell a no-payment equity share as a HELOC.
Related
These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.