Speed to close. Power to scale.

With more than $12.3B 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. NMLS ID #1125207.

Visit our website to price out a deal and get pre-qualified.

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Please note: We do NOT offer loans for land, multifamily or commercial properties. And we do not finance ground-up construction projects.

Property Geographic Area Details
AL, AR, AZ, CA, CO, CT, FL, GA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, and WV, as well as Washington D.C
Loan Amounts
$75,000 to $2,000,000
Loan Terms
12 months to 360 months
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance

Maximum Leverage

Purchase Long-Term
Max LTP Residential: 75%
Max LTP Multifamily: 75%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Refinance Long-Term
Max LTV Residential: 75%
Max LTV Multifamily: 75%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 100%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 100%
Max LTARV: 75%

Kiavi Fix & Flip / Bridge Loan Program

A competitive hard money loan product for flippers with 0-4 completed flips in the last 2 years *.

Premium Service

  • Dedicated team
  • Fast approvals
  • Even faster for repeat borrowers

Qualification 

  • Minimum FICO of 660
    • No open individual collection(s) greater than or equal to $10,000.
  • No unresolved bankruptcy or filings within the last 24 months
  • No outstanding mortgage delinquency of 90 days or more
  • No felony convictions within the last 7 years
    • No felonies for financial crimes, ever.
  • Personal Guarantee required

Fees and Pricing

  • As low as 9.0%
    • Pricing may vary based on state property is located in.
  • No application fee
  • Origination Fee: As low as 1.5% of the total loan amount
  • Fee: $1,499 (Includes processing and third party fees. Does not include costs from title company.)

Max Leverage

  • Up to 90% of purchase price (reflective with a 720 FICO score)
  • 100% of rehab costs
  • Up to 75% of after-repair value (ARV)
    • A property that Kiavi deems high risk may have a 65% ARV LTV

Loan Terms

  • Minimum loan amount: $75,000
  • Maximum loan amount: $1,000,000
    • Max loan amount is $1MM in all states
    • Only allowed 3 loans at once max

Eligible Properties

  • Single Family Residences
  • 2-4 units (all units must be residential)
  • Condominiums
  • Planned Unit Developments

*A completed flip can be: 1) A property sold within 24 months preceding application submit date and acquired no more than 36 months prior to exit; 2) Must have been held for at least 30 days; 3) Must have an exit price of at least $75k; 4) Aggregate flips may be held in no greater than 2 entity names. 5) A long term refinance may also be considered an eligible “flip.”

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Kiavi Single Asset Rental Loan Program

Grow your rental business. Finance a new purchase, refinance a property you own, or free up cash in your portfolio by tapping into equity at low rates with flexible borrower terms.

  • Property Type: Single-family homes, attached and detached PUD, and 2-4 unit rentals
    • Non-owner occupied rental properties only
  • Transaction Type: Purchase or refinance (including cash-out refinance)
  • Credit Score Minimum: 660 FICO; No hard credit pull
    • SFR, Attached and Detached PUD only, 700+ FICO required
  • Origination Fees and Service Fee: 1.5 points + $999
    • Rental products only. Requires $2,000 minimum. Does not include title insurance, escrow, or third party fees.
  • Loan Amount: Up to $2,000,000 per property ($75,000 minimum loan size)
  • Cash-Out: Up to $500k (after property owned for 180 days)
    • Cash-out LTV based solely off of appraised value, not cost basis
  • Loan Term/ Rate Type: 5/1 ARM4 7/1 ARM4 30-Year Fixed4 Interest-Only Options
    • Fully amortizing and interest only options (10 years interest-only, 20 years fully amortizing) are available for each loan product. Changes in interest rates are tied to a published index reflecting market conditions.
  • Loan-to-Value: Up to 75% LTV for purchase or delayed purchase, rate/ term refi, and cash-out refi, Up to 70% LTV for interest-only
    • LTV is restricted to 65% when loan amount is greater than $1.5 mm
  • DSCR: 0.8 minimum
  • Lease Requirement: Lease term of 6+ months
    • For properties with no lease or a lease term of less than 6 months, property income will be based on market rent. For properties with a minimum 6 month lease term, property income is the lesser of lease amount or 100% market rent.
  • Escrow Requirement: Taxes and Insurance
  • Experience Requirement: Borrower/guarantor must have taken out at least one mortgage prior
  • Prepayment Penalty: None after year 3 years
    • 3% first year
    • 2% second year
    • 1% third year

Flexible Terms
We offer multiple loan terms, rates, and leverage based on FICO.

Low-Document Process
Move quickly with no personal income or asset verification required.

No Hard Credit Pull
We don’t use hard credit pulls so your credit score will never be affected.

Streamlined Technology and Service
Access your loan details easily on our online dashboard and enjoy reliable support from our team.

6-Month Cash-Out Period
Refinance your property and take out equity in 6 months from acquiring the property.

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Kiavi Rental Portfolio Loans

We’ll partner with you to craft a bespoke loan as unique as your rental portfolio.

Loan Requirements

  • Property Type: Non owner-occupied SFR, 2-4 units, condos, up to 8-unit multifamily properties
  • Loan Type: Refinance, Purchase or Delayed Purchase
  • Minimum Loan Amount: $500,000
  • Minimum Property Loan Valuation Requirement: $50,000
  • Minimum Portfolio Size: 5+ Properties
  • Minimum DSCR: 1.20X
  • Minimum FICO: 680

Loan Terms

  • Max LTV: 75% for Cash Out or Rate and Term
  • Max Interest Only LTV: 70%
  • Interest Rates: As Low as 7.25%
    • Changes in interest rates are tied to a published index reflecting market conditions.
  • Loan Term: 5, 10, and 30-Year Options
    • Fully amortizing and interest only options (10 years interest-only, 20 years fully amortizing) are available
  • Amortization: 30-Year
  • Standard Prepayment Penalties: 5 / 4 / 3 / 2 / 1

Craft a rental portfolio loan as unique as your investment strategy. Save time, money and headaches – so you can focus on your portfolio.

Kiavi’s Rental Portfolio Loans are uniquely designed to make your financing experience easy, and your loan tailored to your investment strategy. Combining your properties under one umbrella with a single, low monthly payment – all underpinned by Kiavi’s simple process and single underwrite – makes managing your growing rental business easier and more cost-effective than ever before.

Flexible
With various loan term lengths, flexible prepayment options, and more, we’ll partner with you to craft a loan that works for your unique portfolio.

Simple
No need for capital expenditure reserves, extra documents like bank statements, or a cumbersome underwriting process – saving you headaches and time.

Dedicated Experts
Our team of seasoned experts are wholly dedicated to helping you navigate your options and setting you up for long-term success.

Competitive
Competitive rates and favorable terms based on your portfolio make up and FICO score. And the terms only get better as your portfolio grows.

Peace of Mind
Create more separation between your personal life and your business with features like limited recourse and carve out guarantees*.

Trusted
We’re a reliable, proven financing partner entrusted by leading investors across the country that’s funded more than $12 billion in loans.

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Property Types

  • 2-4 Units Residential
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Long-Term Rental

Specialty Loan Types

  • Residential Long-Term Rental
  • Residential Short-Term Rental
Borrower must have at least 10% cash down payment plus cash reserves.

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

90%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

0

Maximum After Repair Value

75%
Minimum 660 FICO; No hard credit pull. 5/1 ARM, 7/1 ARM, 30-Year Fixed, or Interest-Only Options.

Minimum Loan Amount

$75,000

Maximum Loan Amount

$2,000,000

Minimum Loan Term

60 months

Maximum Loan Term

360 months

Seasoning Time

6 months

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

5

Minimum Property Value

$50,000

Minimum Origination Fee Amount

$2,000

Other Fee

Closing fees as low as $999

Fees which are mandatory for all new borrower clients

  • Other Fee

Fees which are paid to a third party company

  • Legal Fee
  • Settlement Fee
  • Appraisal Fee
  • Inspection Fee
  • Escrow Fee
  • Title Fee

Details and Requirements

Payment Structure
  • Interest Only
  • Amortized
Pre Payment Penalty

no

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

yes

Minimum Credit Score Required

660

Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Legal Disclaimer

Bridge loan rates and terms are based on a combination of factors: LTV, FICO, and experience and are subject to change. Interest rates or charges herein are not recommended, approved, set or established by the State of Kansas. Rental loan rates and terms are based on a combination of factors: LTV, FICO, and experience and are subject to change. Non-owner-occupied rental properties only. Cash-out LTV is based solely on appraised value, not cost basis. Interest rates or charges herein are not recommended, approved, set or established by the State of Kansas. All loans are available in AL, AZ, AR, CA, CO, CT, FL, GA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, and WV, as well as Washington D.C. Prepayment penalties as allowable by state.

Additional Details

NMLS ID #1125207 - nmlsconsumeraccess.org. Equal Housing Lender. AZ Mortgage Banker License 0926504. CA Finance Lender licensed by CA Department of Financial Protection and Innovation (60DBO-74860).

Kiavi Testimonials

Get In Touch

Kiavi pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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Leading lender to REIs across the US

With more than $12.3B 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.  NMLS ID #1125207.

  • $4.1+ billion of value unlocked for real estate investors to help them scale their business
  • 50,000+ move-in ready homes and rentals funded for our customers across the country
  • 32 states + DC where we lend to real estate investors so they can revitalize neighborhoods
  • 95% of our transactions have successful exits, compared to the 75% industry average
License

NMLS ID 1125207, AZ Mortgage Banker License 0926504. California Finance Lender 60DBO-74860

Company Size (Number of Employees)

450

Year Established

2013

Office Locations

575 Market Street, Suite 1600, San Francisco, California 94105

Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Residential Property

100%

Total Number of Loans Funded to Date

50000

Total Loan Volume Funded to Date

$12,300,000,000

Get In Touch

Kiavi pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$75,000

What We Do

  • Residential Investment Properties
  • Fix & Flip Loans up to 90% LTP
  • Long-Term Rental Loans
  • Rental Portfolio Loans

Not Available

  • NO 100% Financing
  • NO Ground-Up Construction
  • NO Commercial Properties
  • NO Owner-Occupied Homes

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