Kiavi
Kiavi Review 2026
RRE REVIEW –
4/5
USER REVIEWS –
Kiavi Overview
What is Kiavi?
Kiavi is a private lender focused exclusively on residential real estate investors, offering fix-and-flip and bridge loans, 30-year DSCR rental loans, rental portfolio loans, jumbo investor loans, and new construction financing. The company (formerly known as LendingHome) operates as Kiavi Funding, Inc. and uses a technology-driven platform with proprietary data analytics to deliver fast, online lending decisions. Kiavi serves real estate investors across 49 states and DC, ranks as the largest US fix-and-flip lender by 2024 origination volume, and has a strong securitization program supporting institutional capital markets access for its loan portfolio.
Kiavi Products & Services
Kiavi offers a full suite of investment property loans designed exclusively for residential real estate investors. The company’s flagship fix-and-flip and bridge loan products finance acquisition and rehab on single-family and small multifamily properties, with up to 90% of purchase price and 75% ARV coverage available, plus 12 to 24-month terms and funding in as little as 7 days. DSCR rental loans qualify based on the property’s rental income rather than borrower W-2 income, with 30-year terms and up to 80% LTV for qualified investors. Additional products include rental portfolio loans, jumbo investor loans, and new construction financing. All loans are originated through Kiavi Funding, Inc. with proprietary technology powering instant property valuations.
Kiavi Features
| Feature | Details |
|---|---|
| #1 US Fix-and-Flip Lender | Funded $5.5 billion in fix-and-flip loans in 2024, more than three times the nearest competitor by volume. |
| $30 Billion Cumulative Originations | Over $30 billion funded across more than 100,000 investor loans since 2013, with 80% repeat customers. |
| Technology-Driven Underwriting | Proprietary platform delivers instant property valuations, online applications, and closings in as fast as 7 days. |
| Full Investor Product Suite | Fix-and-flip, bridge, 30-year DSCR, rental portfolio, jumbo, and new construction loans on one platform. |
| Active Securitization Issuer | Completed 24 securitizations totaling over $6.8 billion in notes through the LHOME shelf since 2019. |
Kiavi Reviews
Kiavi Review by RentalRealEstate
4/5
Cost – 4
Ease-of-Use – 4
Customer Service – 4
Tools and Resources – 4
Kiavi is the most established choice for real estate investors who need a tech-forward private lender that can scale with a growing portfolio. What stands out most is the sheer size of the operation: $30 billion in cumulative originations, 100,000 loans funded, and the #1 ranking in US fix-and-flip lending by volume. The lender isn’t trying to be a low-cost commodity option; it competes on speed, technology, and reliability of execution. Coverage in 49 states plus DC, an 80% repeat customer rate, and active capital markets securitization back up the scale story. The tradeoff is that BBB records show a mixed customer service track record.
Pros:
- #1 US fix-and-flip lender by 2024 volume
- $30 billion in funded investor loans since 2013
- Fast online closings often in 7 days
Cons:
- Not lending in Utah, 49-state coverage only
- BBB record shows mixed customer service feedback
- Not the lowest rates in DSCR competitive segment
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Kiavi User Reviews
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Kiavi Alternatives
Kiavi FAQ
Is Kiavi Legitimate?
Yes, Kiavi is a legitimate private lender founded in 2013 and headquartered in San Francisco, California. Operating as Kiavi Funding, Inc. under NMLS #1125207 with experienced executive leadership, the company has funded over $30 billion in investor loans and is the #1 US fix-and-flip lender.
Who Owns Kiavi?
Kiavi is privately held by co-founders, employees, and venture investors, but on June 10, 2026 the company entered into a definitive agreement to be acquired by Figure Technology Solutions (NASDAQ: FIGR) for $717 million, with a Sixth Street joint venture purchasing balance sheet assets. Kiavi was founded in 2013 by Matt Humphrey and James Herbert.
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