Kiavi vs New Silver
Both are tech-forward flip lenders. New Silver's instant term sheets and 5-day closings edge Kiavi on speed. Kiavi wins on DSCR products and volume pricing for repeat borrowers.
Shared products: Fix & Flip, DSCR, Bridge · Updated March 2026
4.5
Kiavi
Wins 3 categories
4.0
New Silver
Wins 1 categories
Full Comparison
| Feature | Kiavi | New Silver |
|---|---|---|
| Interest Rates | 6.5%–12%Better | 7.5%–13% |
| Max LTV | 80% | 80% |
| Min Credit Score | 640Better | 650 |
| Loan Range | $100K–$3M | $100K–$5M |
| Origination Fee | 1–2 points | 1.5–2.5 points |
| Speed to Close | 10–21 days | 5–10 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-2-1 step-down (DSCR) | None (flip) / 3-year (DSCR) |
| Foreign National | No | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse | SFR (1-4), Condo, Townhouse, Multifamily (5+)Better |
| Loan Products | 4 products | 4 products |
| Founded | 2013 | 2019 |
| Editor Rating | 4.5 / 5.0Better | 4.0 / 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)
New Silver
Pros
- +Instant term sheets — know your terms immediately
- +Fastest closings in the industry (5 days possible)
- +Same-day pre-approval
- +Modern tech platform with easy draw requests
- +Competitive rates for hard money
Cons
- –Higher minimum loan ($100K)
- –Newer company — less track record than established players
- –Limited to 1-4 unit residential for some products
Frequently Asked Questions
Is Kiavi or New Silver better for real estate investors?
Both are tech-forward flip lenders. New Silver's instant term sheets and 5-day closings edge Kiavi on speed. Kiavi wins on DSCR products and volume pricing for repeat borrowers.
What loan types do Kiavi and New Silver both offer?
Both lenders offer Fix & Flip, DSCR, Bridge. Both offer 4 products.
Which has lower rates, Kiavi or New Silver?
Kiavi advertises rates starting at 6.5% while New Silver starts at 7.5%. Kiavi has the lower starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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