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Bridge Loan: Hard Loan Financing Made Simple

Note: originally posted on LendingHome.com and LendingHome is now Kiavi.

We are always finding ways to better partner with you and your business - whether it’s from a service, operations, technology, or product standpoint. Today we are introducing our latest Bridge product update.

We are simplifying our experience classification, better aligning our lending criteria with your deal economics, and setting interest rates based on Loan-to-Cost.

Experience, simplified

Your number of completed flips in the past two years will determine which Bridge loan program we offer you. Each program includes varying benefits, pricing, and service commitments. We have learned that an investor’s flipping experience over the past 24 months is the best indicator of their likelihood to successfully complete their next flip.

Lending criteria that is better aligned with your deal economics

The lending criteria on your loan will now be based on cost, After Repair Value, and Return On Investment.

Interest rates based on Loan-to-Cost

Your interest rates will now be based on LTC. We expect this change to result in more predictability and higher certainty of terms upfront.

Product Overview

To make it easier to understand loan terms, we’ve created four loan programs associated with experience: Pro, Plus, Standard and Access. We believe that each program reflects the financing experience that you should expect when working with Kiavi - whether you are a first-time flipper or an experienced real estate investor.

  Pro Plus Standard Access
Experience (Exits in last 2 yrs) 10+ 4-9 1-3 None
Min. FICO 660 550 550 550
Max ARV LTV - Rehab 75% 70% 70% 70%
Max LTC - Rehab 90% 90% 85% 80%
Max AIV LTV - Non Rehab 80% 75% 75% 75%
Max LTC - Non Rehab 90% 90% 85% 80%


We are excited for this launch and believe it will present favorable terms faster, reliably, and with more transparency.


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The above is provided as a convenience and for informational purposes only; it does not constitute an endorsement or an approval by Kiavi of any of the products, services or opinions of the corporation or organization or individual. The information provided does not, and is not intended to, constitute legal, tax, or investment advice. Kiavi bears no responsibility for the accuracy, legality, or content of any external content sources.