Kiavi
FundingOnline bridge and DSCR lender for fix-and-flip, rental, and new construction deals, closing in days instead of weeks.
What it does
Kiavi is a direct lender specializing in bridge loans, fix-and-flip financing, DSCR rental loans, and new construction loans for real estate investors nationwide. The platform uses machine learning and real-time data to streamline underwriting, property valuation, and closing timelines—typically 4 to 7 days from application to funding. Kiavi serves emerging investors, experienced flippers, and high-volume operators across all 50 states, offering personalized pricing based on property and market factors rather than W-2 income verification. Founded in 2013 and having originated over $30 billion in loans, the company emphasizes speed, transparency, and dedicated support through every deal stage.
- In-House Valuation & Feasibility (No Appraisal Wait)
- Property-Based Underwriting (No Income or W-2 Verification)
- 4–7 Day Close Timeline with Digital Workflow
Overview
Kiavi is an online direct lender providing short-term and long-term financing for real estate investors. It funds fix-and-flip bridge loans (high leverage, fast closings), fix-and-flip loans for renovations, DSCR rental financing (qualified on cash flow, not income), new construction loans up to $10M, and jumbo loans up to $10M. The core problem Kiavi solves: traditional banks are slow and income-verification-heavy; Kiavi qualifies on property value and exit strategy, not W-2s, enabling investors to close 4–7 days and stay competitive with cash buyers. It lives in the deal-acquisition and bridge-finance portion of the operator workflow, replacing hard-money lenders and conventional mortgage banks.
How it works
Sign up on the online platform and enter your property address plus basic details to receive a soft-credit-pull pre-qualification with a detailed loan summary and downloadable pre-qual letter. Once you've found your deal, submit a full application online selecting your loan type. Your assigned processor begins a 4-day initial review: ordering title, insurance, and a third-party property inspection, while you upload docs and create a detailed Scope of Work (SOW) in your dashboard. Your processor sends the completed package to Kiavi's internal feasibility team (1 hour turnaround), who line-by-line reviews your SOW and inspection photos, ensuring your budget and timeline align with the project. Simultaneously, the file moves to Kiavi's in-house valuation team (5 days), which pulls comparable sales within a one-mile radius to estimate After Repair Value (ARV)—this in-house process beats waiting on a bank appraisal. While valuation runs, underwriting reviews the full file (1 day turnaround) for compliance and accuracy. Once underwriting approves, Kiavi's closing team coordinates with your title agent, sends loan docs, and wires funds. You sign at closing, receive keys, and fund is deployed. The entire process aims for 4–7 days. Throughout, you have a dedicated Kiavi rep available to answer questions and guide you through each phase.
Best for
Fix-and-flip investors (primarily), BRRRR operators, new construction developers, and buy-and-hold landlords seeking rental financing. Kiavi segments customers by experience—emerging investors get foundational guidance; pro investors and high-volume operators receive custom terms and dedicated account support. Best suited for operators running 1–100+ deals per year who need to close fast (days, not weeks) and cannot rely on conventional income documentation. Works across all portfolio sizes and experience levels but especially valuable for investors buying distressed or value-add properties that don't qualify for traditional 30–45 day mortgage timelines.
Pricing reality
Pricing is per-deal subscription model based on loan terms, LTV, borrower qualifications, and property factors. The website prominently advertises DSCR loans starting at 5.875% but does not publicly list bridge loan rates, origination fees, or other upfront costs. Pre-qualification is free (soft credit pull only). No annual subscription or per-seat fees mentioned. Specific detail on whether closing costs, appraisal fees, or underwriting charges are included is not disclosed. High-volume investors can negotiate custom terms and dedicated support. The platform appears free to access and use for estimates (ARV calculator available), but actual loan pricing requires application or direct broker negotiation. No mention of a free trial, money-back guarantee, or annual contract requirement.
Best for fix-and-flip investors and active rental operators who need to close within days and qualify based on property value, not personal income.
In-house valuation, feasibility, and underwriting teams eliminate appraisal delays; no W-2 or income verification required, only property assessment and exit strategy analysis.
Pricing
Reviews across the web
✓ What operators praise
- Excellent communication & responsiveness from loan reps
- Fast, streamlined online platform and easy application process
- Quick closings with transparent, competitive loan terms
! Common concerns
- Underwriting team can be slow, risking deal timelines
- Customer rep turnover & duplicate document requests frustrate borrowers
Generated by REskout AI from public review content across the platforms above. Independent of our scoring rubric.
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