Kiavi vs CoreVest
Kiavi is built for individual-deal investors — 1-4 unit residential, $100K minimum, no experience required, and fast fully-digital closings. CoreVest is built for scale: blanket and build-to-rent loans up to $100M, but with a $500K minimum and a 5+ deals experience requirement. Choose Kiavi while you grow deal-by-deal; move to CoreVest once you are financing portfolios.
Shared products: DSCR, Bridge · Updated March 2026
4.5
Kiavi
Wins 3 categories
4.4
CoreVest
Wins 1 categories
Full Comparison
| Feature | Kiavi | CoreVest |
|---|---|---|
| Interest Rates | 6.5%–12% | 6.5%–10% |
| Max LTV | 80%Better | 75% |
| Min Credit Score | 640Better | 660 |
| Loan Range | $100K–$3M | $500K–$100M |
| Origination Fee | 1–2 points | 1–2 points |
| Speed to Close | 10–21 days | 21–45 days |
| Experience Required | No experience required | 5+ deals |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-2-1 step-down (DSCR) | Varies (yield maintenance or step-down) |
| Foreign National | No | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse | SFR (1-4), Multifamily (5+), Mixed Use, New ConstructionBetter |
| Loan Products | 4 products | 4 products |
| Founded | 2013 | 2014 |
| Editor Rating | 4.5 / 5.0Better | 4.4 / 5.0 |
Pros & Cons
Kiavi
Pros
- +Fully digital platform — apply to close online
- +Competitive rates for experienced borrowers (volume discounts)
- +Bridge-to-DSCR conversion available (one-loan BRRRR)
- +Fast closings for repeat borrowers (10–14 days on flips)
- +No experience required for DSCR loans
Cons
- –Limited to 1-4 unit residential (no multifamily or commercial)
- –No foreign national programs
- –Minimum loan $100K (excludes low-cost markets)
- –DSCR prepayment penalty (3-2-1)
CoreVest
Pros
- +Blanket loans across multiple properties
- +Portfolio-level underwriting (stronger properties offset weaker ones)
- +Build-to-rent construction financing
- +Large loan amounts ($100M+)
- +Backed by Redwood Trust — well-capitalized
Cons
- –High minimum loan amount ($500K)
- –Requires 5+ deals of experience
- –Slower closings than fintech lenders
- –Not accessible to new investors
Frequently Asked Questions
Is Kiavi or CoreVest better for real estate investors?
Kiavi is built for individual-deal investors — 1-4 unit residential, $100K minimum, no experience required, and fast fully-digital closings. CoreVest is built for scale: blanket and build-to-rent loans up to $100M, but with a $500K minimum and a 5+ deals experience requirement. Choose Kiavi while you grow deal-by-deal; move to CoreVest once you are financing portfolios.
What loan types do Kiavi and CoreVest both offer?
Both lenders offer DSCR, Bridge. Both offer 4 products.
Which has lower rates, Kiavi or CoreVest?
Kiavi advertises rates starting at 6.5% while CoreVest starts at 6.5%. Both have the same starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
Related Comparisons
Not Sure? Try Our Lender Finder
Enter your credit score, experience, and strategy to see which lenders match your scenario.