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Kiavi

Pittsburgh, PA·Founded 2013·50 states
Visit website ↗(415) 754-7829
Kiavi is a leading nationwide real estate lender specializing in fast, reliable fix-and-flip bridge loans, new construction financing, and DSCR rental loans.
Kiavi describing itself

Loan programs

Fix & Flip

$100K – $3M
Term
12 mo – 24 mo
Amortization
Interest-Only
Maximum leverage
Max LTV 80%Max LTC 95%Max ARV 80%Max LTP 100%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential

DSCR / Long-Term Rental

$75K – $2M
Term
30 yr
Amortization
30-Year Fixed, ARM, Interest-Only
Maximum leverage
Max LTV 80%Max LTV (cash-out) 75%Max LTP 80%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential · Short-Term Rental (STR)

Ground-Up Construction

$100K – $3M
Term
12 mo – 24 mo
Amortization
Interest-Only
Maximum leverage
Max LTV 80%Max LTC 70%Max LTCV 70%
Eligible property types
Single-Family (SFR) · 2–4 Unit Residential · Multifamily (5+)

Bridge

Maximum leverage
Max LTV 80%Max LTP 100%

Fix to Rent (BRRRR)

Maximum leverage
Max LTC 95%Max ARV 80%
Also offers— no published terms
MultifamilyRental Portfolio / Blanket

Terms & qualification

Typical loan size
$100K – $3M
Typical term
12 mo – 30 yr
Interest rate
6.62% – 12.45%
Origination / points
Closing fees as low as $999
Minimum FICO
640
Lien position
1st
Prepayment penalty
no
Payment structure
Interest Only
Recourse
Sometimes
Closing speed
7 days typical
Prepayment structure
None
Cross-collateral
No
Equity / JV capital
No
Income documentation
No W-2s or Tax Returns Required. Qualifying is strictly asset-based, meaning they do not look at personal debt-to-income (DTI) ratios.
Borrower entity
LLC or Corporation Required. Loans must be closed under a business entity (e.g., LLC, S-Corp, C-Corp). They do not lend to individuals.
Experience required
All Tiers Accepted. Beginners are welcome (1-4 exits). Seasoned pros (3+ exits in 24 months) unlock higher leverage and preferred lower interest rates.

Property types

Single-Family (SFR)Condo / Townhome / PUD2–4 Unit ResidentialMultifamily (5+)Land & LotsShort-Term Rental (STR)

Lending footprint

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Explicitly excluded: UT

Sources

This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.