Fast, easy financing for your next deal

Getting cash to fund your fix-and-flip, rental, or construction project shouldn’t be hard. Kiavi makes it easy for real estate investors to access fast funding with simple processes and nationwide support from a team that gets it.

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rei quick tips
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Estimated ARV $450,000
Interest Rate 7.75%
Cash to Close $45,650
New Tool

Get a fast financing estimate

Stop guessing. Kiavi's proven ARV model—trusted on tens of thousands of deals—helps you quickly estimate financing for your next fix-and-flip project. Enter a few key details like property address and rehab scope to unlock estimates for:

  • After Repair Value (ARV)
  • Cash to Close
  • Interest Rate
  • Comparable Valuations
Get Estimate
Rates & Terms

Fix-and-Flip Rates + Terms

Kiavi calculates financing terms based on the property—not just the borrower—so you can move forward with confidence.

See Your Rate
Rates as low as 7.75%*
interest only
Loans from $100K to $5MM
money
Up to 100% of purchase price
cash
Up to 80% of after-repair value
fix-flip
12, 18 + 24 month terms w/ interest-only options
calendar
100% of rehab cost
interest only
  • No Application Fee
  • No Appraisal
  • No Income Verification
About Kiavi

Fast, easy funding for real estate investors

Unlock fast, easy, and reliable fix-and-flip and rental financing with quick closings for your buyers to compete with cash offers. Benefit from Kiavi's in-house servicing, no 3rd party appraisals, and online pricing platform for a seamless and efficient experience from beginning to end.

Lightning fast closings

Obtain pre-qualification letters 24/7 through our online portal to compete with cash buyers and secure closings in as few as 7 days.

Dedicated support team

Leverage our team from application to closing, utilizing real-time pricing and deal analysis to make swift decisions.

Forget traditional hassles

Stop chasing W2s, our platform eliminates traditional tasks so your buyers experience speed through the financing process.

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Rates & Terms

DSCR Rental Loan Rates + Terms

Kiavi calculates financing terms based on the rental property cash flow—not just the borrower—so you can move forward with confidence.

See Your Rate
Rates as low as 6%†
interest only
Up to 80% LTV (loan-to-value)
money
No prepayment penalty after year 3
cash
5/1 + 7/1 ARMs fully amortizing
fix-flip
30-yearfixed rates
calendar
Interest-only options
interest only
  • Ask About Our Cash-Out Refinance Options
Rates & Terms

New Construction / Infill Loan Rates + Terms

Kiavi calculates financing terms based on the property—not just the borrower—so you can move forward with confidence.

See Your Rate
Rates as low as 9.00%†
interest only
Loans from $150K to $10MM
money
Up to 85% of total costs** (purchase price + construction costs)
cash
Up to 70%of ARV (after-repair-value)
fix-flip
12, 18, 24-month termswith 3 or 6 month extension options
calendar
Up to 100% of rehab cost
interest only
  • No Application Fee
  • No Appraisal
  • No Income Verification
Home-Page_Getting-to-know-Kiavi
Free Resources

Learn what makes us the trusted choice for your needs.

Explore guides, eBooks, whitepapers and more in our borrower resource center.

Go To Borrower Resource Center

Transform your next real estate investment

Unlock flexible financing, a fast online platform and expert support—trusted by thousands of real estate investors nationwide. Kiavi helps you move faster, close smarter and flip with confidence.

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Get answers to working with Kiavi on your next deal

With Kiavi's personalized financial offerings, you maintain a strategic edge. Our range of solutions is crafted to guide you through each phase of your real estate venture, guaranteeing access to the necessary tools for success.

With more than $23+ billion in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors (REIs). Kiavi harnesses the power of data & technology to offer REIs a simpler, more reliable, and faster way to access the capital they need to scale their businesses. Formerly known as LendingHome, Kiavi is committed to helping its customers revitalize the approximately $25 trillion worth of aged U.S. housing stock to provide move-in ready homes and rental housing for millions of Americans across the country. For more information, visit www.kiavi.com. NMLS ID #1125207.

Unlike traditional conventional bank loans, a hard money loan is based on the value of the property being used as collateral, not just your financial position. While the rates are typically higher, hard money loans are attractive for real estate investors because they tend to close much faster, provide flexible terms and you can pay them off quickly to offset costs, allowing you to scale your business faster. Here are just a few additional benefits of hard money loans:

  • Access to quick capital and fast turn times
  • Flexible terms with various repayment schedules and loan durations
  • Up to 90% money financed based on the property value and your renovation budget
  • The more you work with the same lender, the more benefits you may receive such as reduced origination fee, rate, and more

Kiavi offers bridge and rental loans for purchases or refinances. A bridge loan is a short-term loan for real estate investors who prefer to finance the purchase and/or rehabilitation of their investment property rather than buying it fully in cash or taking a traditional bank loan. Real estate investors renovate these properties to either quickly sell back in the market or refinance into a rental loan.

A rental loan is for investment properties in which the real estate investor will buy and hold (and rent out to generate passive income), rather than fixing and flipping it quickly for a profit. These need to be turn-key, livable condition properties. Real estate investors use both bridge and rental loans for the BRRRR strategy to increase their portfolio and long-term cash flow.

Kiavi offers single asset bridge and rental property loans for 2-4plex, attached/detached-pud, manufactured homes, and single-family properties. We are rapidly growing and anticipate adding more property types and portfolios soon. At the moment, we do not lend on mixed-use, commercial, mobile homes, and rural properties (zoned as agricultural/rural property with 4+ acres).

We currently offer loans 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, MS, MT, 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. We are continuing to add states to our portfolio. Learn more about the States we lend in.

Yes. We lend to business entities in all states we offer loans. Learn more about the States we lend in.

The first step is to apply online. If approved, you will receive your personalized rate in just a few minutes! Begin by answering a few short questions about your experience and the investment property you wish to purchase/finance, and we’ll provide customized estimated terms for you to choose the best loan option for your needs. Please note that we do not offer pre-approvals, but will provide you with a pre-qualification summary once you submit your application.

Kiavi provides competitive terms, a fast technology-powered process, and dedicated industry support. With our data and innovative financing programs, we empower you to make informed decisions, close deals faster, and realize the full potential of your real estate investment strategies.

Appraisals vary on your financing needs. We do not require appraisals on bridge loans, but we do require them for rental loans.

We pride ourselves on transparency throughout the loan process and all fees are collected at closing. We do not require an application fee and the origination fee is based on the final loan amount.