Scale your portfolio with personalized financing

The Kiavi Preferred Membership is designed for pros with at least 5 exits in the last 24 months, introducing personalized pricing, high leverage, and fast processes that align with the expertise of seasoned pros like you.

A professional real estate investor carrying documents for his Kiavi bridge loan
Built for Pros

Benefits of Kiavi Preferred Membership

As an experienced real estate investor, you need financing solutions that fit your skills and goals. Kiavi's Preferred Membership program is tailored just for pro borrowers like yourself, bringing unparalleled benefits that will make your investment journey smoother and faster so you can focus on what matters—scaling your business.

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Higher leverage

Access up to 95% LTC / 80% ARV with exposure limits up to $8M*, maximizing your returns across your unique investing needs.

streamlined

Streamlined underwriting

Experience efficiency with only one required underwrite every 12 months, eliminating unnecessary delays and paperwork.

Personalized pricing

Our competitive pricing is customized to your experience level and proven track record - along with dedicated white-glove service every step of the way.

A professional real estate investor reviewing project plans for his fix-and-flip on a tablet
A professional real estate investor writing in a notebook at her desk
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
Why Kiavi?

Scale smartly with tailored financing solutions

You need more than just financing, you need a reliable and innovative lending partner that propels your investments forward with fast technology and a deep understanding of the market. Our platform offers a one-stop solution to manage your loans, analyze your deals, and minimize risks with data-driven decisioning.

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.

Fast processes and close times

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.

Trusted industry leader

Well-funded, dependable partner with more than $27 billion in loans funded across over 100,000 projects, Kiavi is revolutionizing the real estate investment landscape for investors like you.

Innovative valuation process

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.

Frequently Asked Questions

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, 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 could not be more impressed with the service I was provided! This was my first time using them and I was doing two loans at once. It was an absolute breeze! Literally not a single hiccup. They exceeded my expectations [...]"
Shelly S.
10/18/23 via Google
"I got quotes from five lenders and Kiavi's LTC and LTV were by far the best allowing me to close with the least amount of money down. The team was friendly and helpful; also patient! The seller took a long time finally getting to the closing table. It was a fast and efficient process from Kiavi's side."
KKB
11/26/24 via Trustpilot
"[...] 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
"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
Free Resources

Learn what makes us the trusted choice for your needs

If you've had 5+ properties in the last two years and are looking for a lending experience that's designed to help you scale successfully, learn more about working with Kiavi or price out a deal today to get started.

Scale your real estate investment portfolio

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.