Capital Bridge Solutions vs Kiavi vs AngelOak: DSCR Loan Comparison 2024
Save $20,000 - $50,000 over 5 years by choosing the right DSCR lender. This comprehensive comparison shows you exactly how Capital Bridge Solutions, Kiavi, and AngelOak stack up on rates, fees, and closing speed.
When shopping for a DSCR loan (Debt Service Coverage Ratio loan) in California or nationwide, you'll quickly encounter three names: Capital Bridge Solutions, Kiavi, and AngelOak. Each lender has its strengths, but the differences in rates, fees, and closing times can mean tens of thousands of dollars in savings—or extra costs—over the life of your loan.
The Bottom Line Up Front
For California investors seeking the lowest rates (5.99%+), lowest points (0.75%), and fastest closing (5-7 days), Capital Bridge Solutions offers the best value. Kiavi and AngelOak are solid national lenders but charge 1.5%+ higher rates and 1-2% more in points.
Potential savings: $20,000 - $50,000 over 5 years on a typical $500K-$750K loan.
Quick Comparison Table
| Feature | Capital Bridge | Kiavi | AngelOak |
|---|---|---|---|
| Starting Rate | 5.99% | 7.75% | 7.50% |
| Points | 0.75% (loans $450K+) | 2.0% - 3.0% | 1.5% - 2.5% |
| Min Credit Score | 640 | 660 | 640 |
| Closing Time | 5-7 days | 10-14 days | 10-14 days |
| Max LTV | 80% | 80% | 80% |
| Min DSCR | 0.75 | 1.0 | 1.0 |
| Short-Term Rentals | |||
| California Specialist | Nationwide | Nationwide | |
| Total Funded | $2.5B+ | $10B+ | $15B+ |
Ready to save $20K-$50K on your DSCR loan?
Get Your Free QuoteAbout Each Lender
Capital Bridge Solutions
California-based private lender specializing in DSCR loans for real estate investors. With 15+ years of experience and $2.5B+ funded, Capital Bridge Solutions focuses on California market expertise, faster closing times (5-7 days), lower rates (starting at 5.99%), and transparent pricing.
Key Advantages:
- Lowest rates (5.99%)
- Lowest points (0.75%)
- Fastest closing (5-7 days)
- CA market expertise
- AI advisor (Cap)
Best For:
California investors, time-sensitive deals, investors wanting personalized service and lowest costs.
(949) 339-3555Kiavi
One of the largest private real estate lenders in the U.S. Offers extensive product line including fix-and-flip, construction, and rental loans with strong tech platform and national footprint.
Strengths:
- Large scale ($10B+)
- All 50 states
- Multiple products
Trade-offs:
- Higher rates (7.75%+)
- Higher points (2-3%)
- Slower (10-14 days)
AngelOak
Established non-QM lender with $15B+ in originations. Their Investor Cash Flow program is their DSCR loan product. Strong reputation in non-QM space, works extensively through mortgage brokers.
Strengths:
- Established ($15B+)
- Non-QM expertise
- Broker-friendly
Trade-offs:
- Higher rates (7.50%+)
- Higher points (1.5-2.5%)
- Limited STR
Real-World Cost Comparison
See exactly how much you'll save with Capital Bridge Solutions on a typical California investment property
Scenario 1: $600K Purchase in Inland Empire, CA
Purchase Price: $600,000
Down Payment: $150,000 (25%)
Loan Amount: $450,000
Monthly Rent: $3,600
Monthly PITIA: $3,000
DSCR: 1.20 | Credit: 680
Capital Bridge
Kiavi
AngelOak
đź’° Savings with Capital Bridge Solutions:
vs Kiavi: $24,855 saved over 5 years
vs AngelOak: $19,725 saved over 5 years
Ready to Save $20K-$50K on Your DSCR Loan?
Get a personalized quote in 24-48 hours. See exactly how much you'll save with Capital Bridge Solutions.
Frequently Asked Questions
Q: Can I get a DSCR loan with a 640 credit score?
A: Yes! Both Capital Bridge Solutions and AngelOak accept 640+ credit scores. Kiavi requires 660 minimum. Capital Bridge offers better rates at the 640-659 credit tier compared to AngelOak.
Q: What's the real difference between 5.99% and 7.75% rates?
A: On a $500K loan:
- • 5.99% = $2,992/month
- • 7.75% = $3,587/month
- • Difference: $595/month or $7,140/year
Over a typical 5-year hold period, that's $35,700 in extra interest at 7.75%.
Q: Why are Capital Bridge's rates so much lower?
A: Several factors:
- 1. California-focused = lower risk profile (CA has strong rental markets)
- 2. Portfolio lender = lower cost of capital vs larger aggregators
- 3. Lower overhead = savings passed to borrowers
- 4. Competitive pricing strategy = intentionally undercut national lenders
Q: Can I do a short-term rental (Airbnb) with a DSCR loan?
A:
- • Capital Bridge: ✅ Yes (strong in Palm Springs, Tahoe, coastal CA)
- • Kiavi: ✅ Yes (case by case)
- • AngelOak: ⚠️ Limited (generally prefer long-term rentals)
Q: How fast can I really close?
A:
- • Capital Bridge: 5-7 days (documented cases of 5-day closes)
- • Kiavi: 10-14 days (standard)
- • AngelOak: 10-14 days (standard)
Key: Have your docs ready (bank statements, property info, appraisal ordered immediately).
The Clear Winner for California Investors
If you're investing in California and want the lowest rates, lowest points, fastest closing, and California expertise—Capital Bridge Solutions is the clear choice.
Potential Savings: $20,000 - $50,000
Over 5 years on a typical $500K-$750K loan
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Not sure which lender is right for you? Chat with Cap, our AI-powered DSCR loan advisor in the ChatGPT Store for instant personalized guidance.
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Capital Bridge Solutions | California's Premier DSCR Lender Since 2010