Kiavi (formerly LendingHome) is a technology-driven private lender specializing in bridge loans for fix-and-flip investors and DSCR rental loans for buy-and-hold investors. Kiavi's platform offers an online application and approval process designed to produce term sheets quickly, which appeals to investors who need speed to compete in acquisition markets.
Bridge Loan Program
- ✦Loan amounts: $100,000 to $3M
- ✦LTC: up to 90% of purchase price; up to 100% of rehab budget held in escrow
- ✦ARV: up to 75% of after-repair value
- ✦FICO minimum: 640 on standard product
- ✦Term: 12 months; 18-month option available
- ✦Draw process: rehab draws released upon inspection completion
DSCR Rental Loan Program
Kiavi's DSCR product covers SFR and 2-4 units with loan amounts from $100,000 to $3M. Standard LTV is 80% for purchase and 75% for cash-out. FICO minimum is 660. DSCR calculation uses market rent for vacant properties. Kiavi does accept short-term rental income documentation with platform-generated reports and 12 months of operating history. Prepayment penalties follow a standard step-down structure with options for no-prepay at higher rates.
What Differentiates Kiavi
Kiavi's platform produces conditional approvals in 24 to 48 hours on complete applications. Their technology scores properties using an automated valuation model (AVM) first, and orders a full appraisal only when necessary. This speeds up the bridge loan process significantly for properties that fall within their AVM confidence range. For investors doing 10+ transactions per year, Kiavi's volume pricing and platform integrations create operational efficiency.
Aria can compare Kiavi's bridge and DSCR parameters against Lima One, Visio, and other investor lenders to identify the best match for a specific deal. Ask at vicariointel.com.
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