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.
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
Loan Amounts
Loan Terms
Lien Position
Maximum Leverage
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
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.”
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.
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.
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
Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
90%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
0Maximum After Repair Value
75%Minimum Loan Amount
$75,000Maximum Loan Amount
$2,000,000Minimum Loan Term
60 monthsMaximum Loan Term
360 monthsSeasoning Time
6 monthsWill Lend on a Portfolio of Properties
YesMinimum Number of Properties
5Minimum Property Value
$50,000Minimum 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
Kiavi Testimonials
"I'm often in a rush to close on a transaction, and when I need to make sure I have the financing I need, fast, I turn to LendingHome (now Kiavi). It's easy, it's online, it's reliable, it's priced right—it's the best partner I've found!"
Jeffery B.
Get In Touch
Stay Informed About Private Lending

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
Office Locations
575 Market Street, Suite 1600, San Francisco, California 94105Get In Touch
Stay Informed About Private Lending

Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact Kiavi by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
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