Kiavi: published loan terms
Kiavi publishes terms for fix and flip, bridge, ground-up construction and DSCR rental loans. Its fix-and-flip rates start at 8.25% and its DSCR rental rates at 6.375%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | Rates as low as 8.25%* |
|---|---|
| Loan to purchase / cost | Up to 100% of purchase price (product page headline 'up to 100% LTC / 80% ARV'; same page FAQ says 'up to 95% LTC') |
| Rehab funded | 100% of rehab cost |
| Cap on after-repair value | Up to 80% of after-repair value |
| Points | Not published |
| Term | 12, 18 + 24 month terms w/ interest-only options |
| Minimum credit score | Not published |
| Experience | Not published |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at Kiavi's advertised starting rate of 8.25% would be about $8,931, against $11,366 at the example's 10.5%. Kiavi doesn't publish its points, so they aren't compared here. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | Rates as low as 6.375% |
|---|---|
| Purchase / rate-and-term LTV | Up to 80% LTV |
| Cash-out LTV | Not published |
| Minimum DSCR | DSCR as low as 0.8x |
| Minimum credit score | Not published |
| Loan size | Not published |
| Terms | 5/1 + 7/1 ARMs fully amortizing; 30-year fixed rates; interest-only options |
Where Kiavi lends
Kiavi currently offers hard money loans to entities in AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, and WY as well as Washington D.C.
Not on its published list: Utah.
Loan size
$100K (fix-and-flip) to $5MM (fix-and-flip), as published.
Other details from its website
Fix-and-flip: 'no prepayment penalties, and no hidden exit points'; 'No Appraisal' (in-house valuation); online draw requests. Rate disclaimer: '*Rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only.' DSCR: 'No prepayment penalty after year 3'; qualifying rent = lower of 110% of appraised market rent and valid lease rent; cash-out after 90 days of ownership; no hard credit pull for quote; no minimum liquidity requirement. FAQ: origination fee based on final loan amount; no application fee.
Licensing disclosure
Figure Lending LLC dba Figure NMLS ID 1717824; Kiavi Funding LLC NMLS #1125207 (subsidiary of Figure Technology Solutions, Inc.); AZ Mortgage Banker License 0926504; CA Finance Lender licensed by CA DFPI. 'All DSCR and Rental Loans are originated and funded by Figure Lending LLC dba Figure effective 9/1/2026.' Bridge loans in AZ, ID, NV, OR, SD originated by Figure Lending LLC.
Source
Read on 2026-10-24 from kiavi.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with Kiavi, and Kiavi did not review this page.
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