Summer Sizzle

Our DSCR loans are now starting at 5.875%*!

Hard Money - Interest Only Options

Hard money loans with low rates & less requirements

Kiavi is the hard money lender trusted by professional real estate investors across the country. Take advantage of today's competitive terms & quick-to-close loans to fund your next fix-and-flip or rental property.

Get pre-approved with no impact to your credit score. No application fee!

$16+ billion

in loans funded—helping thousands of real estate investors achieve success

65,000+

bridge and rental loans originated for our customers across the county

32 states + DC

served with Kiavi's simpler, more reliable, and faster way to access capital

Fix and Flip / Bridge loans

Our long-term financing for rental properties is designed to help real estate investors reap the benefits of property appreciation and rental income. Available for single-family, PUDs, and 2-4 units.

Fix-and-Flip Rates + Terms

Rates as low as 7.75%*
Loans from $100K to $5MM
Up to 100% of purchase price
Up to 80% of after-repair value
12, 18 + 24 month terms w/ interest-only options
100% of rehab cost
No Application Fee / No Appraisal / No Income Verification

Rental property loans

DSCR Rental Loan Rates + Terms

Rates as low as 5.875%†
Up to 80% LTV (loan-to-value)
No prepayment penalty after year 3
5/1 + 7/1 ARMs fully amortizing
30-year fixed rates
Interest-only options
Ask About our Cash-Out Refinance Options

What is hard money?

A hard money loan is a loan that's acquired through a 'hard asset,' in this case, real estate. Instead of focusing on your personal income or employment history, hard money lenders like Kiavi look to your property's after-repair value (ARV)—the property's value after rehab is complete— to estimate the property's worth.

When you apply for a hard money loan with Kiavi, you aren't required to dig up your tax returns or W-2s as you would with a traditional bank. This makes hard money an excellent option if you're looking to skip the frustration of slow human decisions and tedious, paper-based processes. Instead of taking months to close, you could possibly fund your new fix and flip or rental project in weeks!

How Kiavi makes hard money easy

Whether financing your next fix and flip or scaling your rental portfolio, our online dashboard puts everything at your fingertips so you can quickly and easily apply, access the status of your application and monitor your loans.

Competitive rates

Maximize your returns with robust capital, high leverage and competitive rates with a variety of loan options

Fast and easy process

Don't worry about searching for paystubs and old W-2s. Our platform eliminates these time-consuming, manual tasks

Dedicated support

Grow your business with support from our industry-leading team every step of the way from submit to closing

Kiavi gives me the confidence to not only access reliable capital to close more deals, but provides a fast platform and industry support that helps my company scale.

Marcel Bonee

Southern CA based real estate investor

*Rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only. Interest rates or charges herein are not recommended, approved, set or established by the State of Kansas. Loans available in AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, and WY as well as Washington D.C.