2025 Wrapped: How Real Estate Investors Achieved Record Growth with Kiavi

If 2025 taught us anything, it’s that real estate investors are built differently.

While the broader real estate market slowed down, you doubled down. You saw infill potential where others saw dirt, flipped properties in overlooked neighborhoods, and built rental portfolios that could stand the test of time.

Thanks to you, Kiavi originated a record $7.8 billion in 2025 loan volume, a 20% increase over last year despite home sales remaining flat, according to Redfin. 

This year wasn’t just about surviving; it was about thriving. Seeing real estate investors (REIs) who adapted, set new records, and executed with precision was the highlight of our year. 

Kiavi is more than a lender. In 2025, we expanded our technology and data platform to match your ambition. It was a year of "firsts," record-breaking growth, and milestones that proved modern real estate investing needs a modern approach to financing.

Here’s the ultimate look back at the year: Kiavi’s 2025 Wrapped.

By the Numbers: Kiavi’s 2025 Performance Data

When we look at the data from 2025, we don't just see spreadsheets. We see:

• Families moving into renovated homes
• Neighborhoods coming back to life
• Real estate investors building generational wealth
• Builders combating the housing shortage 

And it’s all thanks to you. You found the deals, managed the projects, and crossed the finish line. Our AI-powered platform empowered you with the capital, confidence, and speed you needed to scale faster than ever.

The table below highlights the incredible year-over-year growth we achieved together.

Source: Kiavi Proprietary Insights, based on a comprehensive analysis of internal platform data for Kiavi-funded loans from January 1, 2025 through December 31, 2025.

What really stands out? Our repeat customers grew by over 26% year-over-year. That tells us one thing—once you experience the speed and reliability of Kiavi, you come back for more.

Mapping Success: Top Real Estate Investment Markets

Curious to see how your project stacks up against our internal data? Whether you're benchmarking your 2025 performance or hunting for a competitive edge in 2026, the numbers are in. We’ve crunched the data on thousands of Kiavi-funded loans to show you exactly where investors saw the biggest ROI in 2025.

Top States With the Largest Fix-and-Flip ROI In 2025

Source: Kiavi Proprietary Insights, based on a comprehensive analysis of internal platform data for Kiavi-funded loans from January 1, 2025 through December 31, 2025.

Top 10 Cities With Kiavi-Funded Deals In 2025

Source: Kiavi Proprietary Insights, based on a comprehensive analysis of internal platform data for Kiavi-funded loans from January 1, 2025 through December 31, 2025.

Working Smarter: Top 5 Real Estate Fintech Innovations of 2025

Let’s be honest—real estate investing isn’t always glamorous. Data entry, messy projects, inspections, and endless calculations can slow you down.

That’s why we spent 2025 launching features to save you time, keep more money in your pocket, and help you move faster.

Here are 5 of our favorite enhancements we rolled out in 2025:

1. ARV and Cash-to-Close Estimator

Analyzing a deal needs to happen fast. If you take too long to calculate the numbers, someone else could snag the property.

Our After-Repair Value (ARV) and Cash-to-Close Estimator gives you an instant assessment of a property's ROI potential before you even make an offer.

The adoption of our calculator has been massive. About 5,900 investors ran 15,000 ARV estimates in 2025 alone. 

2. AI Automated Doc Review

Speed is your competitive edge, and Kiavi's AI Automated Doc Review is a tool that makes it possible. By streamlining the document review process, we give you the tools to close deals quickly, stay ahead of the competition, and unlock opportunities that slower lenders can’t match.

Why wait for traditional, manual document reviews when our exclusive AI-powered technology provides you with instant feedback on your loan application? 

Using Generative AI and Machine Learning to classify, scan, and extract key data from documents like Purchase Sale Agreements (PSAs), Kiavi’s AI Automated Doc Review enables borrowers to see and fix conditions in minutes, not days. 

By reducing the heavy lifting of data entry, this feature enables our team to process loans faster and easier, helping you get to the closing table even faster. 

3. AI Instant Scope of Work (SOW) Upload

Hate manual data entry? Us too. Our AI Instant Scope of Work Upload automatically extracts key details from your project documents and contractor bids in seconds.

In 2025, this functionality saved our investors valuable time on their loan applications, allowing them to close deals faster than ever before. 

4. Mobile Draws Expansion

Speed is everything. Waiting for an inspector to come out to a site just to approve a draw request could stall your contractors and delay your timeline.

Our Mobile Draws Expansion streamlines your workflow. Instead of scheduling a third-party inspector, just snap a few photos of your progress in our mobile app.

This update is designed to help you access your draw funds faster—often in hours rather than days—to help keep your project on schedule and your contractors paid.

5. Enterprise and VIP Program Upgrades

For high-volume borrowers, standard processing isn't fast enough. That’s why we’ve introduced upgrades for our Enterprise and VIP tiers, offering closings in as little as 5 days and higher exposure limits, so you can take on bigger projects.

Award-Winning Impact: 100,000 Loans and Counting

We don’t work for the trophies—we work for the results. In June 2025, we hit a historic milestone: becoming the first private non-bank lender to fund 100,000 loans. At that time, we had helped revitalize over 102,000 properties and funded $27 billion in loans to real estate investors. By the end of 2025, just six months later, we had grown even further, funding over 109,000 properties and $30 billion in volume. In total, we’ve helped real estate investors nationwide create about $13 billion in equity! 

Our 100,000th loan, funded for Preston Letts of Family Snowball LLC, represents the core of our mission: providing reliable, AI-powered financing to help investors scale their businesses and achieve financial independence.

2025 Industry Recognition

Our commitment to combine cutting-edge technology with deep real estate expertise has earned us top honors this year:

• HousingWire: 2025 Tech TrendSetter
• Scotsman Guide: #1 Top Private Lender
• FinTech Breakthrough: Best Real Estate Investment Platform
• National Private Lender Association: 2025 Capital Provider of the Year

Whether it’s your first deal or your 500th, these accolades validate our dedication to supporting your journey with the industry's leading tools and capital.

[Explore Our Awards]

Coast to Coast: Kiavi Expanded Financing to (Almost) Everywhere

Real estate is local, but your lender doesn’t need to be. In 2025, we expanded into 17 new states—including Alaska, Hawaii, and Idaho—bringing our total reach to 49 states + D.C.

This means you can find deals virtually wherever opportunity knocks without hunting for a new lender.

[See What States We Lend In]

Raising the Bar: How Kiavi’s AI-Powered Platform Secured +$1 Billion to Help Real Estate Investors Scale 

Growth means nothing if it isn't backed by reliability. In the private lending space, you need to know that your lender has the liquidity to fund your deal at the closing table.

In 2025, we demonstrated the power of the Kiavi platform by securing over $1 billion across three major rated securitizations. Our momentum keeps building with a growing network of large, institutional whole loan partners. For you, this means a seamless, reliable funding experience backed by serious capital.

• February 2025: Secured $300M
• May 2025: Secured $300M
• August 2025: Secured $400M

For a non-bank lending platform, this level of capital markets activity proves our stability and scalability. When we issue a term sheet, you can be confident that the funds will be there when you need them.

More Muscle for Your Deals: Expanding Our Team to Support Your Success 

To support our continued growth, we welcomed several new faces to our leadership team this year including:

• Tom Hallock, Head of Construction Lending
• Charles Goodwin, Head of Bridge and DSCR Lending

We also significantly grew our team, filling more than 150 roles to ensure we have the resources needed to support your evolving business needs. From customer support to engineering, we’re building on our already exceptional team to deliver even better results for you.

[Explore our Open Career Opportunities]

Philanthropy in Real Estate: Kiavi’s 2025 Community Impact Report

In 2025, our team was proud to volunteer on-site with Habitat for Humanity in San Francisco and Pittsburgh, and provide financial support to Direct Relief and All Hands and Hearts following the devastating fires in Los Angeles and floods in Texas.

These organizations provide critical, life-saving assistance during emergencies and long-term housing solutions. If you’d like to join us in supporting their vital work, please visit the links below to learn more about donating:

• Habitat for Humanity
• Direct Relief
• All Hands and Hearts

Looking Ahead to 2026: A Message from Our CEO

Our CEO, Arvind Mohan, has steered Kiavi through a year of incredible transformation. Reflecting on the past twelve months, he shared this message for our customers:

“2025 was another record-breaking year for Kiavi. By expanding our AI-powered technology platform, we empowered more investors than ever with the fast, frictionless capital they needed to scale with confidence. I’m incredibly proud of the impacts we’ve made to deliver the technology, speed, and reliability our customers needed to thrive in 2025 despite a challenging market.”

Arvind's message is clear: the momentum we have built is just the beginning. We are doubling down on Kiavi’s AI and data advantage to continue to raise the bar for real estate investors and builders across the nation in 2026, while continuing to deliver high quality assets to our institutional capital partners. 

Conclusion

2025 was a landmark year. We hit record volumes, expanded into 17 new states, and launched smarter AI-powered functionality that helps you close deals faster.

But numbers on a page don't tell the whole story. The real story is you—the investors who are out there every day, doing the hard work of revitalizing America’s housing. You are the ones dreaming up ambitious plans, managing renovations, and creating value in your communities. 

We’re just proud to provide the tools that help you do it.

As we kick off 2026, we’re doubling down on that commitment. Whether you're planning a fix-and-flip, expanding your rental properties, or breaking ground on a new construction project, our AI-powered platform is here to help you work smarter and scale faster.

Ready to scale in 2026? Check your rates online in just a few minutes.

Frequently Asked Questions (FAQs)

1. Is Kiavi a bank or a private lender?

Kiavi is a private non-bank lender that uses AI-powered technology to offer financing for real estate investors, developers, and builders. Unlike traditional banks, Kiavi focuses on speed and efficiency, providing short-term bridge loans, long-term rental loans, and new construction loans without the slow processing times typical of bank financing.

2. Does Kiavi offer financing in all 50 states?

Kiavi currently operates in 49 states plus Washington, D.C. In 2025, the company expanded into 17 new states, including Alaska and Hawaii. This nationwide footprint allows investors to finance deals across nearly the entire United States with a single partner.

3. How fast can Kiavi close a real estate loan?

For high-volume borrowers, Kiavi can close loans in as little as 5 days. For other borrowers, the process is significantly faster than traditional banks thanks to AI-powered underwriting and streamlined document processing tools like the AI SOW Upload.

4. What types of investment properties does Kiavi finance?

Kiavi primarily finances residential investment properties, including single-family homes, condos, and multi-unit properties (2-4 units). The AI-powered platform offers products for "fix-and-flip" investors (Bridge Loans), "buy-and-hold" investors (DSCR Rental Loans), and new construction loans, catering to different investment strategies.

5. Does checking my rate with Kiavi affect my credit score?

No, checking your rate with Kiavi does not impact your credit score. Kiavi uses a soft credit pull to provide preliminary rate estimates. 

^*The content provided on this blog is for general informational and educational purposes only and is not intended to provide legal, financial, tax, or investment advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, or reliability of the information contained herein.

Rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only. Interest rates or charges herein are not recommended, approved, set or established by the State of Kansas. Loans available in AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, MS, NC, NE, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, and WY as well as Washington D.C.