Kick-start your real estate investments

We provide real estate investment loans and investment property financing designed to support new investors. Our team provides personalized guidance at every stage, and our online platform streamlines the lending process to offer fast approvals and low pricing.

Two young real estate investors working on a fix-and-flip project by selecting new paint colors
Built for New Investors

Streamlining your first real estate investment loan

Our financing options are ideal for newcomers (with less than 5 exits in the last two years) across house flips, new construction, and rental property investments, supporting your initial projects with customized solutions.

piggy-bank

Personalized financing

Whether you're wanting to flip or invest in rental properties, our financing solutions are designed to support you through every stage of your real estate journey.

streamlined

Easy, online processes

Plug in your property's address into our online pricing calculator, and we will quickly analyze eligibility with factors like square footage, location, and more to pre-qualify your deal.

webinar

Dedicated support

Ready to get started? Our team is here for you. We walk you through every step of the loan process to make informed, confident decisions.

Two real estate investors reviewing project plans for their fix-and-flip investment on a tablet while sitting on the floor
A female real estate investor working on her fix-and-flip property by painting the walls blue
A fix-and-flip property 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
Why Kiavi?

Tailoring your path to success

Kiavi's online calculator, backed by data from over 100K projects, helps you quickly evaluate deals and receive personalized financing options. No guesswork, just easy funding to feel confident about moving forward with your next deal.

Streamlined online portal

Our online portal simplifies the investment property financing process for real estate investors by offering a user-friendly interface that streamlines tasks from document management to SOW creative to loan status tracking.

Easy application process

Forget chasing W2s and bank statements. With our simplified lending processes, you can enjoy a hassle-free application experience. We cut through the red tape so you can focus on what matters most—kick-starting your deal.

Compete with cash buyers

Quickly secure pre-qual letters 24/7 through our online portal, providing you with the leverage needed in a competitive market to make your bids more attractive against cash buyers and close in as fast as 7 days.

Flexible financing options

In real estate investing, you need fast and reliable financing. Kiavi, a leading lender for real estate investors, provides financing for fix-and-flip, long-term rental, new construction, and rental portfolio loans to fit any strategy.

A desktop computer displaying Kiavi's weekly webinar, 'Getting to Know Kiavi'
Wednesday at 1 pm PT / 4 pm ET
Live Webinar

Your trusted partner for real estate investment loans

When it comes to your next investment property, you need a trusted financing partner to close the deal. Sign up for our next weekly webinar to speak with our experienced team, who will walk you through the entire process!

  • Walkthrough our easy, online platform 
  • Interactive Q+A to get answers to your financing questions
  • Learn from Kiavi's experienced team live
Frequently Asked Questions

Get answers to working with Kiavi on your first deal

If you're ready to fund your first deal, working with a reliable and transparent lender is crucial to accessing the financing you need. Getting started is easy and we have the answers you need to close with confidence.

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, MT, NC, NE, ND, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, VA, 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.

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.

"I had the opportunity to work with Kiavi on several deals and I must say that my experience has been nothing short of exceptional. As someone who has had previous encounters with loan companies, I can confidently say that Kiavi stands out from the rest. "
Kimone C.
02/26/24 via Google
"[...] Kiavi is always the first place I look when exploring a new loan, whether a flip or long-term rental! I highly recommend this company!"
Robert H.
10/12/23 via Google
"Kiavi made my hard money loan journey surprisingly smooth. Their efficiency and transparency truly set them apart. Highly recommend."
r/realestateinvesting
01/30/24 via Reddit
"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
Free Resources

Learn what makes us the trusted choice for your needs

If you're just beginning in real estate, our online resource renter offers guides, on-demand webinars, and more to help kickstart your journey on your first deal.

Elevate your real estate investments

Access our online portal and discover the financing solutions that can help turn your real estate investment dreams into reality. It’s straightforward, with no hidden fees—just your next big project waiting to happen.