Kiavi (formerly LendingHome, and a subsidiary of Figure Technologies) has funded more than $23 billion in investor real estate loans and lends in 49 states and Washington, D.C., making it the largest technology-driven fix-and-flip and bridge lender in the United States. Unlike local hard money brokers who rely on manual committee meetings, Kiavi uses an automated valuation engine that generates binding leverage sizing in minutes and closes clean 1 to 4 unit deals in 7 to 10 business days.
Interest Rates: 8.25% to 11.50% (Interest-Only) | Origination Points: 1.0% to 2.0%
Max Leverage: Up to 100% of Purchase + 100% of Rehab (Capped at 80% of ARV)
Loan Amounts: $75,000 to $5,000,000 | Minimum FICO: 640 | Prepayment Penalty: None
Corporate & Licensing Note: Kiavi is a Figure Technologies subsidiary; in Arizona (AZ Mortgage Banker License #0926504), some bridge loans are originated and funded by affiliate Figure Lending LLC.
Partner Bonus: New Kiavi borrowers receive a $350 bonus after closing their qualified first loan through our partner link.
Check Your Kiavi Rate & Leverage Tier ($350 Bonus) →
How Kiavi's Borrower Tier System Determines Your LTC and Rate
Kiavi segments real estate investors by verified exits (completed flips or stabilized BRRRR refinances over the past 24 to 36 months) combined with middle FICO score:
| Kiavi Borrower Tier | Experience (36 Mos) | Max Purchase LTV | Max Total LTC | Max ARV Cap | Typical Rate Range |
|---|---|---|---|---|---|
| Tier 1 (Premier) | 5+ Completed Exits | Up to 90% (100% top published) | Up to 95% to 100% | Up to 75% to 80% | 8.25% to 9.99% |
| Tier 2 (Experienced) | 2 to 4 Exits | Up to 85% to 90% | Up to 85% to 90% | Up to 75% | 9.25% to 10.50% |
| Tier 3 (First-Time / 0-1) | 0 to 1 Exit (640+ FICO) | 75% to 80% | 80% to 85% | Up to 70% to 75% | 10.25% to 11.50% |
Kiavi does not publish a fixed public tier grid, so the tier breakdown above reflects typical underwriting bands rather than static tables. Kiavi's own published ceilings are up to 100% of the purchase price, 100% of rehab, and 80% of ARV, with rates as low as 8.25% for the strongest files (Kiavi bridge loan terms, checked October 2026). As a Figure Technologies subsidiary, Kiavi discloses on its legal licensing page that certain Arizona bridge loans are originated by affiliate Figure Lending LLC.
Key Advantages of Kiavi Bridge Loans
- Non-Dutch Interest on Rehab Holdbacks: You only pay monthly interest on the initial purchase advance plus construction draws that have actually been disbursed to your account.
- Desktop & Hybrid Appraisal Eligibility: On qualifying infill single-family acquisitions, Kiavi can waive full interior appraisals or utilize rapid BPO/hybrid valuations, cutting 5 to 7 days off closing.
- Zero Prepayment Penalty: You can pay off your Kiavi bridge loan after 45 days or 180 days without owing a minimum interest guarantee or exit penalty.
- Seamless Bridge-to-DSCR Rental Rollover: If you decide to keep the renovated property as a cash-flowing rental, Kiavi offers 30-year DSCR permanent takeout loans with discounted rollover fees.
Where Kiavi Is Not the Right Fit
- Commercial & 5+ Unit Multifamily: Kiavi strictly finances non-owner-occupied 1 to 4 unit residential properties, condos, and townhomes. For 5+ unit apartments or mixed-use deals, consider Lima One Capital or CoreVest Finance.
- Sub-640 Credit Scores: Investors with credit scores between 600 and 639 will be declined by Kiavi's automated filter and should apply with Easy Street Capital instead.
Want to test your exact Purchase, Rehab, and 80% ARV numbers before applying? Run your deal through our Fix-and-Flip LTC & 70% ARV Cap Calculator, or see how Kiavi sizes a live Maricopa County flip in our Phoenix Bridge Loans Guide.