Independent investor-financing comparison
Mayday Private Capital vs. Kiavi: which approach fits your deal?
Both brands publish financing paths for real estate investors, but their public workflows, tools, languages, and review conversations are not identical. This page organizes verifiable differences without declaring a universal winner.
Kiavi
What the provider currently publishes
Kiavi currently publishes fix-and-flip, DSCR/rental, new-construction/infill, bridge, and related investor-financing paths, plus an ARV estimator and broker channel. Its official pages should be rechecked because ownership and lending-entity disclosures changed in 2026.
Mayday Private Capital
How Mayday organizes the conversation
Mayday publishes bilingual DSCR, fix-and-flip, private-money, and commercial pages, educational DSCR and ARV calculators, nationwide inquiry coverage, and a three-step guided form centered on the property, plan, documents, and borrower context.
At-a-glance comparison
Observable categories for a more informed conversation.
Shared categories do not mean products, terms, or underwriting methods are equivalent.
| Category | Kiavi | Mayday |
|---|---|---|
| Published program families | Fix-and-flip, DSCR/rental, bridge, new construction/infill, and related investor programs | DSCR, fix-and-flip, private money, commercial real estate, and individualized property-financing inquiries |
| Digital tools | Official pages publish online workflows and an ARV/cash-to-close estimator | Educational DSCR and ARV/Fix & Flip calculators with consent-controlled inquiry handoff |
| Guidance model | Digital application and support channels described on official pages | Bilingual guided inquiry and complete-context conversation |
| Availability | Varies by Kiavi product, property, state, and current lending entity | Nationwide inquiries accepted; program and property availability remain conditional |
Test your scenario
Questions to bring to any lender.
Request written terms and confirm definitions, conditions, and availability for the specific property.
First investor transaction
Compare experience requirements, required liquidity, communication model, documents, and how each provider evaluates the complete transaction.
Stabilized rental
Compare each DSCR method, rent evidence, reserves, prepayment structure, valuation, and total cash required—not only a displayed rate.
Rehab project
Ask about eligible costs, leverage definitions, draw administration, inspections, contingencies, extensions, and the exit plan.
Construction project
Confirm property, builder, experience, budget, plans, permits, draws, reserves, and current program availability before assuming either path fits.
Documents to prepare
Compare proposals using the same deal file.
- Property address, transaction type, purchase or refinance details, and intended use
- Entity and borrower information requested for review
- Lease or market-rent support for rental scenarios
- Rehab scope, budget, timeline, and exit plan for project financing
- Liquidity, reserves, experience, and credit-context documentation when requested
Comparison questions
Clarify fit before choosing.
Is Mayday Private Capital affiliated with Kiavi?
No. Mayday Private Capital and Kiavi are separate companies. Kiavi and related marks belong to their respective owners.
Does Mayday offer the same programs as Kiavi?
The providers publish overlapping investor-financing categories, including rental/DSCR and fix-and-flip paths, but their programs, definitions, property eligibility, terms, states, and underwriting are not identical and can change.
Which lender is better for a first-time investor?
There is no universal answer. Compare the property, strategy, documentation, experience requirements, communication model, total costs, and exit plan. Mayday welcomes complete-context inquiries, subject to underwriting and approval.
Should I compare only the interest rate?
No. Compare points, third-party fees, cash required, draw administration, valuation methods, prepayment provisions, reserves, extensions, servicing, property eligibility, and closing conditions. Definitions and assumptions may differ between providers.
Can a calculator tell me which lender will approve my deal?
No. Calculators are educational estimates based on entered assumptions. They do not determine value, eligibility, terms, approval, or investment returns.
How can I request a Mayday review?
Use Mayday's three-step inquiry form to share contact information, the property and program context, and consent. Financing remains subject to individual underwriting, approval, and availability.
Methodology and sources
Current facts, visible limits.
Last verified: 2026-09-16. Conditions change. Verify current products, terms, states, property eligibility, and requirements directly.
Kiavi and Figure are trademarks of their respective owners. Mayday Private Capital is not affiliated with or endorsed by Kiavi or Figure.
Compare the complete deal
Compare the property, plan, and financing path—not only a headline rate.
All financing is subject to eligibility, availability, individual underwriting, and approval. Submitting an inquiry is not an offer or commitment to lend.