Fix and Flip with short-term financing

Kiavi provides fast, reliable fix and flip loans for the purchase and rehab of investment properties with high leverage up to 95% LTC / 80% ARV.


Quick closing

Close in as few as 10 business days to compete with cash buyers


High leverage

No need to drain your own funds. We offer up to 95% LTC / 80% ARV


Competitive rates

Maximize your returns with our competitive fix and flip/bridge loan rates


Fast funding for real estate investments

Kiavi’s fix and flip loans allow you to free up your own capital by leveraging ours and close at the speed necessary to finance a deal in today’s market. And, with our in-house servicing, you'll experience a fast and easy financing process from start to finish.

Fix and Flip / Bridge Loan Rates + Terms
Rates as low as 9.25%*
Loans from $100K to $3MM
Up to 95% of purchase price
Up to 80% of after-repair value
12, 18 + 24 month terms w/ interest-only options
100% of rehab cost

Our fix and flip loans can be used to fund new purchases or restore your cash position

Kiavi’s fix and flip loans support three types of transactions on non-owner occupied properties including single-family residences, manufactured homes, 2-4 units, condos, and PUDs:


New purchase

Kiavi can provide the funds to purchase the property plus the renovation costs and can close quickly allowing you to compete against cash buyers


Delayed purchase refinance

Using your own cash or home equity to purchase a property, restore your original cash position within 6 months of the property purchase


Seasoned finance

Owned the investment property 6 months or longer? Our fix and flip loans can be a perfect way to provide extra runway to get you across the finish line


The quick and easy way to finance your real estate deals

Kiavi can close much faster than traditional banks with conventional loans. Forget searching for pay stubs and old W-2s, we do not verify your income or employment. On top of that our tech-forward platform eliminates time-consuming tasks, speeding up the process to close.

Three easy steps and you are on your way!


Get pre-qualified online

With just a soft credit pull, we can give you the confidence & clout to make offers on hard found deals.


Call us to talk

When you find your property, let’s review the numbers–leverage our experience and expertise for your project, we’ve seen it all!


Submit your application

Like what you see? It's GO time. With no application fee or upfront costs, there’s no obligation for you.

No appraisal necessary on fix and flip loans!

Waiting on appraisals is often a hurdle when using banks or other hard money lenders to finance your fix & flips. Kiavi instead uses an internal valuations team that speeds up the process, getting you to the closing table quicker!

How much can I borrow with a Kiavi real estate fix and flip loan?

Don’t settle for banks draining your funds with down payment requirements, having to borrow against your 401k, or working with other lenders’ inconsistent leverage options. Our bridge loans provide the leverage to fund both the purchase and rehab costs for investment properties.

Kiavi finances up to 95% “initial” LTC plus 100% of rehab costs. Your FICO score and real estate exit experience are two of the biggest factors in what leverage option you qualify for.


We actually want you to read the fine print

We’re very upfront and transparent with the fees we do and don't charge. The fine print in financing can have a serious impact on your ROI. For example, unlike other lenders, Kiavi has no prepayment penalties and does not charge points at exit.

Depending on your rehab plans and timelines, allow your Kiavi customer experience manager to walk through the numbers with you and provide guidance in prioritizing lower upfront costs versus maxing your leverage. We want you to have a successful exit!

On-Demand Webinar

Want to learn more on how funding decisions can impact your ROI?

Real estate investors have more options in investment strategies than ever before. Kiavi walks you through the differing factors among these strategies and real-life examples of the impact of funding decisions.

The more you do, the more you get

Each investor we work with is unique and no two deals are alike. We’ll work together to support your investment goals. Plus as your business grows, your rates and benefits will improve as well.

Experienced real estate investors with at least 5 exits in the past 24 months, we will take that into account and customize a plan for your thriving business model with lower closing fees, customized points, and even quicker closings.

From new investors to seasoned professionals, Kiavi is invested in your growth and wants to help you fulfill your dreams of building wealth through real estate.

I’m able to go into a property with a lot of confidence. I’m not going to go to underwriting and have the deal shot down for this or that reason. If I have a deal, I know Kiavi is going to fund it.
Paul Falcone

$18+ billion

of loans funded



projects funded


32 states + DC

where we lend

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