Kiavi

Company Overview

Kiavi, formerly known as LendingHome, has established itself as one of the leading technology-driven lenders in the residential investment space. Founded in 2013 and headquartered in San Francisco, the company has funded over $12 billion in loans for real estate investors across the United States.

The company rebranded from LendingHome to Kiavi in 2022, reflecting its evolution from a marketplace lender to a full-service investment property financing platform. Their technology-first approach means faster processing, more consistent underwriting, and a smoother experience for repeat borrowers.

Loan Products

DSCR Loans: Kiavi’s DSCR product is designed for investors purchasing or refinancing rental properties. There is no personal income verification required — qualification is based entirely on the property’s rental income relative to the loan payment. Terms range from 5/1 ARM to 30-year fixed, with LTV up to 80%.

Fix & Flip Loans: Short-term bridge financing for investors purchasing, renovating, and reselling properties. Loan terms up to 18 months, with renovation budgets included in the loan amount. Up to 90% of purchase price and 100% of rehab costs.

Bridge Loans: For investors who need short-term financing while transitioning between properties or waiting for long-term financing. Typically 12-24 month terms.

Who Is Kiavi Best For?

Kiavi works best for experienced investors who value speed and a streamlined digital process. Their platform is particularly well-suited for investors doing multiple transactions per year, as the repeat borrower experience is significantly faster than the first-time process. If you prefer working through an online portal rather than dealing with a local loan officer, Kiavi is a strong choice.