Kiavi Fix-and-Flip Bridge Loans deliver high-leverage capital for residential investors purchasing and rehabbing distressed properties, with up to 95% LTC and 80% ARV on residential projects.
| Fix & Flip Feature |
Structure & Terms |
| Project Types | Single-family residences, condominiums, 2-4 unit residential properties |
| Loan Limits & Terms | $100,000 to $3,000,000 | 12 to 24 months | Interest-only, first-lien position | Closing fees as low as $999 |
| Leverage Ratios (LTC/ARV) | Up to 100% of Purchase Price, 100% of Rehab Budget (Max 95% LTC / 80% ARV) |
| Structural Advantages | Rehab budget funded at 100% LTC with interest charged only on funds drawn. No active project caps - finance multiple flips simultaneously. Proof of funds letters provided. No prepayment penalties. |
Kiavi Ground-Up New Construction Loans finance infill residential development from land acquisition through vertical completion, structured for experienced builders executing single-family spec homes and small multi-family projects.
| Construction Feature |
Structure & Terms |
| Project Types | Single-family spec homes, infill multi-family residential (2-4 units) |
| Loan Limits & Terms | $100,000 to $3,000,000 | 12 to 24 months | Interest-only, first-lien position |
| Leverage Ratios (LTCV) | Up to 70% LTCV (Loan-to-Completed Value). LTC limits scale based on builder experience tier and completed project history over the prior 24 to 36 months. |
| Structural Advantages | Fund structural builds from ground-breaking through vertical finish with milestone-based construction draw schedules. Builders can leverage the FlipperForce Scheduler to document contractor timelines and draw completion milestones to meet lender documentation requirements. |
Kiavi DSCR Rental Loans provide long-term, 30-year financing for single-asset and portfolio rental properties, qualifying entirely on property cash flow with no W-2s or tax returns required.
| Rental DSCR Feature |
Structure & Terms |
| Property Types | Single-family residences, 2-4 unit residential, condominiums, PUDs. No commercial multifamily or mixed-use. |
| Loan Limits & Products | $75,000 to $2,000,000 | 30-Year Fixed, 5/1 ARM, 7/1 ARM, or Interest-Only options | Single-asset, short-term rentals (STRs), or rental portfolio loans (min. 5 properties) |
| Leverage Ratios (LTV) | Up to 75% LTV for purchases and rate-term refinances | Up to 75% LTV for cash-out refinances | Minimum property value: $50,000 | 6-month seasoning required for refinances |
| Structural Advantages | No hard credit pull for initial quote generation. BRRRR investors can model projected DSCR, cash-on-cash returns, and long-term cash flow inside the FlipperForce BRRRR Analyzer before committing to the long-term refi, validating their rental exit metrics prior to closing. |
