Kiavi Review
Founded 2013 · San Francisco, CA · Nationwide
4.5
Editor Rating
Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
Editor's Take
Kiavi is the best all-around platform for investors who want to do both flips and rentals with one lender. Their tech stack is best-in-class — the online portal makes draw requests, document uploads, and closings genuinely easy. Volume borrowers get meaningfully better pricing. If you're doing 3+ deals per year across flips and DSCR holds, Kiavi should be your primary lending relationship.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
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)
Loan Products Offered
Eligible Property Types
Best For
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Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.