Solutions for Your Buy-and-Hold Strategy

Build long-term wealth with a buy-and-hold strategy

Our buy-and-hold solutions combine sophisticated technology and flexible financing to support your real estate investment journey. Fine-tune your property's funding for success, or consolidate your holdings effortlessly with Kiavi.

Two real estate investors reviewing Kiavi's buy-and-hold strategy from a tablet
Buy-and-hold Financing Strategy

Unlock your buy-and-hold investments

Kiavi provides fast, easy, and reliable real estate flipping loans for your buy-and-hold strategy, eliminating the common hurdles real estate investors often face to maximize every deal and close with confidence.

flexibility

Flexible term options

We offer a range of term lengths to match your investment timeline, providing the stability you need for long-term planning.

rate

Competitive rates

Benefit from competitive rates that maximize your cash flow and enhance the profitability of your investment.

piggy-bank

Strategic refinancing

Unlock equity and reduce expenses with our refinancing options, allowing you to reinvest in your portfolio or improve cash flow.

A real estate investor happily talking on his phone
A fix-and-flip real estate investment property
A fix-and-flip property with an updated patio at twilight
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
Why Kiavi?

Streamline your buy-and-hold strategy with tech-driven financing

Kiavi’s platform—powered by billions of data points across 100,000+ projects—delivers fast, accurate loan estimates and decisioning tailored to your unique house flipping strategy.

Get Pre-qualified Online

Advanced support

Our technology-powered platform automates the time-consuming manual tasks you get with traditional lenders, speeds up approvals, and guides you smoothly through each phase of your flipping project.

Easy digital platform

Our user-friendly platform simplifies deal analysis, allowing you to create, submit, and manage your project documentation, including an online Scope of Work (SOW), with ease.

Streamlined decisioning

Our innovative approach assesses over 20 unique factors about each property - including square footage, location, and market dynamics - to provide financing solutions that are as unique as your investment.

Innovative valuation process

Forget long waits for appraisals. Kiavi’s in-house valuation and servicing teams fast-tracks you to the closing table in as afst as 7 days, outpacing traditional financing.

A tablet displaying Kiavi's Flipping Houses 101 ebook series
eBook

Flipping Houses 101: A six-part series for house flippers

Elevate your house-flipping projects with our comprehensive 'Flipping Houses 101' eBook series. Perfect for both beginners and seasoned investors, this series covers all aspects of house flipping – from sourcing properties to financing and renovations. 

  • Finding a property
  • Financing your next fix-and-flip
  • Pro renovation tips
  • Filling and selling your project
Download Guide
Frequently Asked Questions

Buy-and-hold loan questions

Get answers to your buy-and-hold real estate financing questions and start investing smarter.

Tired of traditional bank hurdles and restrictive financing? Kiavi's bridge loans offer high leverage and 100% rehab costs, fueling your property purchases and renovations effectively. Your FICO®️ score property exit experience and the property’s after-repair value play a key role in determining your leverage, empowering you to invest boldly and with greater financial freedom.

Kiavi prides itself on transparency with fees, ensuring no hidden surprises affect your ROI. For instance, unlike some other lenders, we don't impose prepayment penalties or exit points. Our team is here to guide you, helping you balance upfront costs with leverage to support your project's success. Always review the terms for a clear financial picture.

Kiavi's bridge loans provide premium service with a dedicated team of financing professionals, ensuring fast approvals and even faster processing for repeat borrowers. For more information, check out our guide, Working with Kiavi: The Bridge Loan Process - From Start to Close.

Loan terms offer maximum leverage of up to 95% loan-to-cost (LTC) of the purchase price and up to 80% ARV. Kiavi finances 100% of rehab costs, with loan amounts ranging from $100,000 to $1,000,000. We offer competitive rates and a standard fee that includes processing and third-party fees. There's no application fee.

Eligible properties include single-family residences, 2-4 units, condos, PUDs, and manufactured homes.
Reviews

See why 17,000+ real estate investors trust Kiavi

From first-time flippers to seasoned pros, Kiavi provides the support, expertise, and capital to make real estate investing easier.

"The website interaction was smooth and straightforward forward as well which is something that I never experienced with traditional banks. Shout out to Kiavi as well for running such an effective and efficient business [...]""
Peyman K.
12/13/23 via Trustpilot
"The best lender to work with, hands down."
Jeremy R.
02/28/24 via Google
"My experience has been fantastic. They understood our requirements to close. They stepped up and ensured we were ready to fund a couple of days before we closed. They made it a very stress-free experience. Highly recommended!"
Orlando C.
11/01/24 via Google
"Fast and easy process. Everything was done in a timely manner. They were easy to reach when I had questions, and there were no surprises. Highly recommend!"
Kaveh N.
03/25/24 via Trustpilot
Resources

Scale your buy-and-hold strategy

More questions? Check out these additional resources to gain valuable insights and strategies to enhance your buy-and-hold projects:

View More

Elevate your buy-and-hold real estate investments

With Kiavi’s technology-led solutions and flexible financing, you’re not just building a portfolio—you’re crafting a legacy. Let’s shape the future of your real estate success together. Ready to embark on a journey of smart, sustainable investment?

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