Kiavi (formerly LendingHome) is one of the largest and most trusted hard money lenders in the United States. With over $20 billion in loans funded, Kiavi offers fast, reliable financing for fix-and-flip investors across 32 states. Here’s our full review.
Kiavi at a Glance
- Rate from: 9.25%
- Max LTC: 90%
- Max LTV (ARV): 75%
- Min credit score: 640
- Close time: As fast as 10 days
- Loan term: 12–24 months
- States: 32 states
- Min loan: $75,000
★★★★★ BridgeRate Pro Rating: 4.9/5
What Is Kiavi?
Kiavi is a technology-driven hard money lender headquartered in San Francisco. Founded in 2013 as LendingHome, the company rebranded to Kiavi in 2021. They’ve funded over $20 billion in loans to more than 50,000 real estate investors, making them one of the most experienced fix-and-flip lenders in the country.
Kiavi Loan Products
Fix and Flip Loans
Kiavi’s flagship product is their fix-and-flip loan, which covers both the purchase price and renovation costs in a single loan. Key terms include up to 90% of purchase price and 100% of renovation costs, with a maximum of 75% of the after-repair value (ARV).
Bridge Loans
For investors who need to move quickly on a property without renovation financing, Kiavi offers pure bridge loans for purchase and light rehab situations.
Kiavi Pros and Cons
Pros
- Fast online application — pre-approval in minutes
- High LTC — up to 90% of purchase price
- 100% of renovation costs covered
- Technology platform for easy loan management
- No prepayment penalty after 3 months
- Repeat borrower discounts available
Cons
- Only available in 32 states
- Minimum credit score of 640
- Requires 1+ prior flip experience for max leverage
- Minimum loan amount of $75,000
- Not available for commercial properties
How to Apply for a Kiavi Loan
- Complete Kiavi’s online pre-qualification form (5 minutes)
- Submit property details and your experience history
- Receive a conditional approval within 24 hours
- Provide required documents (ID, insurance, purchase contract)
- Schedule property inspection/appraisal
- Close and receive funds in 10–14 days
BridgeRate Pro Verdict
Kiavi is our top recommendation for experienced fix-and-flip investors who want maximum leverage and a streamlined digital experience. Their 90% LTC is among the highest in the industry, and their technology platform makes managing draws and tracking your project genuinely easy. If you qualify, Kiavi should be your first call.