About
Founded in 2013, Kiavi has grown to become one of the nation's largest and most trusted private lenders for residential real estate investors. By leveraging a data-driven, AI-powered platform, they have successfully funded over 100,000 loans totaling more than $30 billion in volume. Kiavi specializes in tech-powered fix-and-flip bridge loans, new construction financing, and DSCR rental loans designed to help investors secure fast, reliable capital and scale their portfolios without traditional bank paperwork.
Where They Lend
Kiavi is a premier nationwide lender serving real estate investors across 49 states and Washington, D.C. Whether you are flipping a single-family home in the Midwest or building a rental portfolio on the coast, their digital platform provides reliable, localized capital in nearly every major market across the country.
Loan Types, Structures and Terms
Kiavi offers asset-based financing structures designed to fund every stage of an investment lifecycle, from short-term renovation projects to long-term rental holdings.
Borrower Qualifications (Am I qualified?)
Kiavi features flexible, asset-based qualification criteria that prioritizes the profitability of the property over personal income history, completely eliminating the need for W-2s or tax returns. To qualify, investors simply need to close under an LLC or corporation and meet a baseline 620 FICO requirement via a soft credit check.
| Qualification Parameter |
Lender Requirements |
| Experience Levels |
All Tiers Accepted. Beginners are welcome (1-4 exits). Seasoned pros (3+ exits in 24 months) unlock higher leverage and preferred lower interest rates. |
| Credit Requirement |
620 Minimum FICO. Uses a soft credit pull for initial quote generation, which will not affect your credit score. |
| Income Verification |
No W-2s or Tax Returns Required. Qualifying is strictly asset-based, meaning they do not look at personal debt-to-income (DTI) ratios. |
| Entity Requirement |
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. |
Underwriting Process (how long with this take to get approved)
Kiavi utilizes an entirely digital, tech-forward underwriting process that leverages an agile, data-driven in-house valuations team to bypass slow third-party appraisals. By focusing heavily on the deal metrics rather than personal financial history, they can complete initial application reviews within 1 to 2 business days and fund your project in as fast as 7 business days.
| Stage / Requirement |
Process & Timelines |
| Initial Review |
Typically completed within 1 to 2 business days from the time your complete application package is uploaded to the portal. |
| Property Valuation |
Bypasses slow, traditional third-party appraisals by utilizing an agile, data-driven in-house valuations team to verify ARV. |
| Speed to Close |
Capable of funding and closing bridge loans in as fast as 7 business days, allowing you to compete aggressively with cash buyers. |
| Document Checklist |
Property Purchase Contract, LLC Articles of Organization/EIN, Proof of cash liquidity for down payment, and an itemized Scope of Work (SOW). |
Draw Process (how long will it take to get my money)
Kiavi utilizes a streamlined, reimbursement-based draw process that allows house flippers to request construction capital directly through their mobile app using digital photos or video uploads. Once your milestone inspection is approved, funds are wired directly to your bank account within 3 to 5 business days, ensuring your contractors stay paid and your job site keeps moving.
| Operational Step |
Methodology & Timelines |
| Draw System |
Reimbursement-based. The investor funds a specific phase of the construction budget upfront, then requests a draw to get reimbursed. |
| Inspection Method |
Digital & Streamlined. Inspections can be requested via on-site field visits or self-guided photo/video uploads directly through the Kiavi mobile app. |
| Funding Turnaround |
Once an inspection is reviewed and approved, wire transfers are initiated and typically hit your bank account in 3 to 5 business days. |
| Draw Fees |
Standard processing and inspection fees range from $150 to $250 per draw request, usually factored into the overall loan structure. |
