Fix-and-Flip Loans

Fix-and-flip financing for real estate investors

Kiavi provides fast, reliable fix-and-flip loans for the purchase and rehab of investment properties with high leverage of up to 95% LTC / 80% ARV, providing the funding you need to move quickly and maximize returns.

Get Pre-qualified Online
Real estate investor finishing drywall in his new fix-and-flip property
About Kiavi

Fast, easy funding for real estate agents

Unlock fast, easy, and reliable fix-and-flip and rental financing with quick closings for your buyers to compete with cash offers. Benefit from Kiavi's in-house servicing, no 3rd party appraisals, and online pricing platform for a seamless and efficient experience from beginning to end.

Lightning fast closings

Obtain pre-qualification letters 24/7 through our online portal to compete with cash buyers and secure closings in as few as 7 days.

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Dedicated support team

Leverage our team from application to closing, utilizing real-time pricing and deal analysis to make swift decisions.

Forget tradditional hassles

Stop chasing W2s, our platform eliminates traditional tasks so your buyers experience speed through the financing process.

A fix-and-flip renovation in progress: one side of the room is under construction with exposed walls, while the other side is freshly painted and completed.
A happy real estate investor looking at a laptop
Rates & Terms

Fix-and-Flip Rates + Terms

Kiavi calculates financing terms based on the property—not just the borrower—so you can move forward with confidence.

See Your Rate
Rates as low as 7.75%*
interest only
Loans from $100K to $3MM
money
Up to 95% of purchase price
cash
Up to 80% of after-repair value
fix-flip
12, 18 + 24 month terms w/ interest-only options
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100% of rehab cost
interest only
  • No Application Fee
  • No Appraisal
  • No Income Verification
Technology

Streamline your fix-and-flip strategy with tech-powered financing

Our technology, powered by billions of data points from over 100,000 projects, provides fast and accurate pricing tailored to your project.

Quick closing

Our digital platform automates the manual tasks you get with traditional lenders and guides you through each phase of your project to close in as fast as a few days, not weeks.

Easy digital platform

We use real-time data and machine learning to streamline approvals — so you can move fast, compete with cash buyers, and close with confidence.

Streamlined decisioning

Forget long waits for 3rd party appraisals. Kiavi's in-house valuation and servicing team fast-tracks you to the closing table, outpacing traditional banks and lenders.

Personalized pricing

Our innovative approach assesses over 20 unique factors about each property - including square footage, location, and market dynamics - to provide financing solutions that are as unique as your investment.

A fix-and-flip property with an updated patio at twilight
Estimated ARV $450,000
Interest Rate 7.75%
Cash to Close $45,650
New Tool

Get a fast financing estimate

Stop guessing. Kiavi's proven ARV model—trusted on tens of thousands of deals—helps you quickly estimate financing for your next fix-and-flip project. Enter a few key details like property address and rehab scope to unlock estimates for:

  • After Repair Value (ARV)
  • Cash to Close
  • Interest Rate
  • Comparable Valuations
Get Estimate

Loans tailored to house flippers

Kiavi's fix-and-flip loans are flexible, supporting a variety of non-owner occupied properties such as single-family residences, manufactured homes, 2-4 unit dwellings, condos, and Planned Unit Developments (PUDs):

fix-flip

New purchase

Kiavi provides fast loans for real estate investors for property purchases and can close in as fast as 7 days, allowing you to compete against cash buyers. Plus, we cover 100% of the rehab costs so you can turn your vision into reality. 

hand-coin

Delayed purchase refinance

If you’ve used your own cash or home equity to acquire a property, our investment property financing allows you to restore your cash position within 6 months of purchase.

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Seasoned finance

Owned the investment property 6 months or longer? Our fix-and-flip loans can be a perfect way to provide an extra runway to get you across the finish line.

Frequently Asked Questions

Get answers to your fix-and-flip loan questions

Everything you need to know about fix-and-flip loans, simplified. Curious about what properties qualify for a Kiavi fix-and-flip loan, or what are the cost and terms? We’ve got the answers to these questions and more to help you navigate your next real estate investment with confidence.

Our fix-and-flip loans offer high leverage—up to 95% LTC—for purchasing and rehabilitating properties, with terms that support your immediate and long-term investment plans.

Kiavi's fix-and-flip loans are suitable for a variety of properties, including single-family homes, condos, multi-unit residences, manufactured homes, PUDs, and more, offering a broad spectrum of investment opportunities.

Kiavi's fix-and-flip loans provide up to 95% LTC of your project's initial costs and cover 100% of rehab expenses. This high leverage, combined with your FICO® score and the property’s after-repair-value (ARV), equips you to maximize your investment's potential.

At Kiavi, transparency is key. Our fix-and-flip loans come with competitive fees, no prepayment penalties, and no hidden exit points. This approach helps maintain a clear ROI and successful project completion.

In Kiavi's fix-and-flip loans, "draws" are how you get funds released in parts for your renovation work. As you move forward with your property's rehab, these draws, which are included in your total loan, get released step by step. This way, you're covered for the full rehab costs, making managing your budget a lot smoother. After each phase of the renovation, an inspection checks the progress, ensuring everything's on track as planned, before releasing the next draw of funds.

Expect top-tier service with our dedicated team. Kiavi ensures rapid loan approvals and an even swifter process for repeat borrowers, making your fix-and-flip projects smoother and more efficient.

Kiavi offers favorable rates and terms. We don't charge application fees, keeping your project's costs in check.

Reviews

See why 17,000+ real estate investors trust Kiavi

From first-time flippers to seasoned pros, Kiavi provides the support, expertise, and capital to make real estate investing easier.

"Kiavi is speed. I just funded one start to finish in 36 hours, no documents required."
r/loanoriginators
05/02/24 via Reddit
"[...] Kiavi is always the first place I look when exploring a new loan, whether a flip or long-term rental! I highly recommend this company!"
Robert H.
10/12/23 via Google
"I could not be more impressed with the service I was provided! This was my first time using them and I was doing two loans at once. It was an absolute breeze! Literally not a single hiccup. They exceeded my expectations [...]"
Shelly S.
10/18/23 via Google
"The website interaction was smooth and straightforward forward as well which is something that I never experienced with traditional banks. Shout out to Kiavi as well for running such an effective and efficient business [...]""
Peyman K.
12/13/23 via Trustpilot
Resources

Kickstart your fix-and-flip loan financing

Have questions about fix-and-flip loans or growing your real estate investment strategy? We offer resources to help you stay informed and make confident decisions.

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Transform your fix-and-flip real estate investments

Unlock our flexible loan options, fast online platform, and experienced support for your next deal. Partner with Kiavi to make your flipping journey a success story, backed by thousands of successful projects nationwide.

See Your Personalized Rate