# Kiavi vs Lima One vs Riverside Park Capital — Compared

> Compare Kiavi, Lima One Capital and Riverside Park Capital for DSCR, fix-and-flip and small-balance CRE ($500K–$10M). LTV, LTC/ARV, DSCR, cash-out caps and markets as of Q2 2026.

Canonical: https://riversidepark.capital/compare-rpc-vs-kiavi-vs-lima-one
Markdown: https://riversidepark.capital/compare-rpc-vs-kiavi-vs-lima-one.md

## Quick answer

Riverside Park Capital is the $500K–$10M direct private-credit platform in the Top 200 MSAs with unlimited cash-out up to 75% LTV and hotel/MHC eligibility. Kiavi is a tech-enabled fix-and-flip and rental lender with broad national coverage. Lima One is a DSCR/long-term rental and fix-and-flip lender. The table below cites each lender's public guidelines as of Q2 2026 — verify with the lender before relying.

## Choose by asset, leverage and exit — not just rate

DSCR lenders size on rent coverage, fix-and-flip lenders on LTC/ARV, and CRE permanent lenders on NOI/DSCR and occupancy. The comparison below isolates leverage, cash-out rules and market footprint so you can match the deal to the lender.

**Where it fits:** Most useful when you already know the property type (1–4 unit rental vs 5+ multifamily/retail/office/industrial vs hotel/MHC) and the requested leverage.

**Example:** A $1.2M DSCR refinance at 75% LTV with cash-out is constrained by 1.10x DSCR at RPC (no dollar cap), while competitors cap cash-out or apply different LTV grids. For a $600K fix-and-flip at 85% LTC / 70% ARV, all three can compete but draw schedules and LTC definitions differ.

**Fit check:** Start with: 1) DSCR / DSCR vs LTC-ARV, 2) max LTV/LTC you need, 3) cash-out amount, 4) whether the property is hotel/MHC or standard CRE, 5) MSA eligibility.

Have those five? Request RPC terms — same-day review.

## Loan parameters

- Loan size: $500,000 – $10,000,000 (RPC range)
- Loan type: Comparison — Private Lending

## Eligible assets

- DSCR 1–4 unit rentals (RPC, Lima One)
- Fix-and-flip 1–4 unit (all three)
- Small-balance CRE 5+ units, mixed-use, retail, office, industrial (RPC)
- Hotels & motels, mobile home parks — RPC only in this set

## Underwriting guidelines

- RPC: $500K–$10M hard floor; Kiavi/Lima One have lower minima — verify per program
- RPC: Top 200 MSAs only; others lend more broadly including secondary markets
- RPC unlimited cash-out up to 75% LTV governed only by LTV/DSCR (no dollar cap)
- Always confirm live pricing, fees and seasoning with the lender

## Kiavi vs Lima One vs Riverside Park Capital (public guidelines, Q2 2026) (as of Q2 2026)

| Lender | DSCR Max LTV | Fix-and-Flip LTC / ARV | Small-Balance CRE | Cash-Out Cap | Markets |
| --- | --- | --- | --- | --- | --- |
| Riverside Park Capital | 75–80% (1.10x DSCR) | 85–90% LTC / 70–75% ARV | Yes — up to 75% LTV (multifamily, mixed-use, retail, office, industrial) | Unlimited — to 75% LTV / DSCR only | Top 200 MSAs only |
| Kiavi (public) | Program varies — rental DSCR offered | ~85–90% LTC / ~70–75% ARV (bridge fixation) | Limited — 1–4 focus; CRE via rental | Capped / program-dependent | Broad national incl. many secondaries |
| Lima One Capital (public) | ~75–80% LTV DSCR (program/grid varies) | ~85–90% LTC / ~70–75% ARV | Limited — small multifamily via DSCR/rental | Capped / grid-dependent | Broad national incl. secondaries |

- Sources: each lender's public program pages and rate sheets as of Q2 2026. Competitor figures are summaries of published grids and vary by credit, leverage and asset — confirm live terms with the lender.
- RPC figures are from https://riversidepark.capital/dscr-loans and https://riversidepark.capital/commercial-real-estate-loans. Unlimited cash-out = no fixed dollar cap; proceeds constrained only by 75% LTV and supportable DSCR/NOI.
- Not affiliated with Kiavi or Lima One. Trademarks are their owners'.

- RPC: Unlimited cash-out to 75% LTV
- RPC: Hotel & MHC eligible
- Top 200 MSAs — RPC

## FAQs

**Q: Which lender is best for DSCR at $500K–$10M with cash-out?**

If you need to pull maximum equity without a dollar cap, RPC's unlimited cash-out to 75% LTV is distinctive. If you need <$500K or a non-Top-200 market, Kiavi or Lima One may fit better — check their live grids.

**Q: Which lender is best for fix-and-flip?**

All three lend to 85–90% LTC / 70–75% ARV on 1–4 unit fix-and-flip. Compare total cost (points + rate + draw fees), rehab holdback mechanics and LTC definition (purchase vs total cost) — they differ more than the headline LTC.

**Q: Does RPC lend on hotels and mobile home parks?**

Yes — flagged and independent hotels/motels and MHCs up to 75% LTV with unlimited cash-out, Top 200 MSAs. Neither Kiavi nor Lima One lists these as core programs.

**Q: Are these comparisons still current?**

As of Q2 2026. Lenders change grids frequently. Verify live terms before quoting. This page is updated quarterly.

## Related

- [DSCR Loans](https://riversidepark.capital/dscr-loans)
- [Fix-and-Flip Loans](https://riversidepark.capital/fix-and-flip-loans)
- [Commercial Real Estate Loans](https://riversidepark.capital/commercial-real-estate-loans)
- [Unlimited Cash-Out Refinance](https://riversidepark.capital/unlimited-cash-out-refinance)
- [Top 200 MSAs](https://riversidepark.capital/top-200-msas-cre-lending)

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Source: Riverside Park Capital — https://riversidepark.capital/compare-rpc-vs-kiavi-vs-lima-one