Speed to close. Power to scale.

With more than $17B 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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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
$100,000 to $3,000,000
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 LTC: 95%
Max LTARV: 80%
Residential Rehab & Hold
Max LTC: 95%
Max LTARV: 80%

Property Types

  • 2-4 Units Residential
  • Condominium
  • 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
Kiavi provides fast, reliable fix and flip loans for the purchase and rehab of investment properties with high leverage up to 95% LTC / 80% ARV.

Max Loan-to-Purchase Price

95%

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
Kiavi’s fix and flip loans allow you to free up your own capital by leveraging ours and close at the speed necessary to finance a deal in today’s market. And, with our in-house servicing, you'll experience a fast and easy financing process from start to finish.

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

95%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

0

Maximum After Repair Value

80%
Purchase, Rate and Term, and Cash-out Refinance options are available for single-family rental (SFR), PUDs, 2-4 units, and condos. 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

Maximum Loan-To-Value

75%

Seasoning Time

6 months

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

5

Minimum Property Value

$50,000

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

Typical Closing Time (Days)

7

Payment Structure
  • Interest Only
  • Amortized
Maximum Units for Multifamily Properties

4

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

640

Credit Check Description

No hard credit pulls.

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).

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Leading lender to REIs across the US

With more than $17B 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
  • 65,000+ 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

Percentage of Loans Secured by Residential Property

100%

Total Number of Loans Funded to Date

50,000

Total Loan Volume Funded to Date

$12,300,000,000

Contact Kiavi

Kiavi pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
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Our Minimum Loan Amount Is

$100,000

What We Do

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

Not Available

  • 100% Financing
  • Ground-Up Construction
  • Commercial Properties
  • Owner-Occupied Homes

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