New Construction / Infill Loans

Build up with new construction financing

Elevate your real estate investment strategy with Kiavi's new construction loans, designed for developers seeking innovative construction financing. Access infill real estate development loans through a simple, streamlined lending process and competitively priced capital.

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About New Construction / Infill Loans

Plan-ready new construction loans

Experience the ease of Kiavi’s new construction financing process, designed specifically with real estate developers in mind. From a streamlined application to developer-friendly terms—like no permits required for funding, a quick draws process, and in-house servicing—you’ll benefit from a fast, easy path to financing with our infill real estate development loans.

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Easy

No need to secure time-consuming permits before closing.* Plus, streamlined processes like quick draws make new construction loans faster and easier—saving you time and hassle.

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Competitive

Competitive rates and terms with low origination fees. No surprises like hidden rate adjustments, and appraisals are not required for closing.

flexibility

Flexible

Flexible options like single or dual closes and build-to-sell or build-to-rent exit strategies. Reliable capital with consistent processes.

Two real estate investors planning a new construction build
Interior of a wooden house under construction with sunlight shining through the frame.
Rates & Terms

New Construction / Infill Loan 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 9.45%†
interest only
Loans from $150K to $3MM
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Up to 85% of total costs** (purchase price + construction costs)
cash
Up to 70%of ARV (after-repair-value)
fix-flip
24-month termswith 3 or 6 month extension options
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Up to 100% of rehab cost
interest only
  • No Application Fee
  • No Appraisal
  • No Income Verification
Technology

The quick and easy way to finance your new build projects

Quick closing

Forget searching for pay stubs and old W-2s - we don't verify your income or employment. Our digital platform automates the manual tasks to close quickly.

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

Instead of waiting on an appraisal, our tech platform underwrites the deal—so you can secure real estate development loans and get to the closing table faster.

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.

Fund new purchases or restore your cash position

Kiavi’s new construction loans support two types of transactions on investment properties, including single-family residences, 2-4 plexes, and PUDs:

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New purchase

Kiavi can provide the funds to purchase the property plus the building costs—and can close quickly, allowing you to compete against cash buyers.

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Refinance

Use your own cash to purchase a property and restore your original cash position within 6 months of the purchase.

Frequently Asked Questions

Get answers to your new construction loan questions

Everything you need to know about new construction and infill loans, simplified. Curious about what 'permit-ready' means for your construction loan, or whether Kiavi will support your build-to-rent strategy? We’ve got the answers to these questions and more to help you confidently move forward with your next real estate project.

With Kiavi, there's no need to secure time-consuming permits before closing.* We support your build-to-sell or build-to-rent strategies without the need for third-party appraisals or prepayment penalties. Plus, streamlined processes like quick draws save you headaches and time. With Kiavi, you get competitive rates and terms with low origination fees. 

With flexible terms, including single or dual closes and interest-only options, Kiavi's loans are tailored to streamline your project's financial needs, from ground-up construction to tenant move-in.

Our loans come with 24-month terms, offering additional 3 or 6-month extension options to fit your project timeline.

Loan amounts are based on a detailed analysis of your project's potential and market trends, utilizing data from over 85,000 nationwide projects.

Our financing solutions cater to a wide range of new construction projects, from single-family homes to multi-unit developments, focusing on maximizing your investment's potential.

Permit-ready means your construction project has full approval from the municipality for all necessary documents, and a permit will be issued upon paying the fee, which can be included in your loan proceeds at closing. This ensures a smoother start to your construction project.

Kiavi leverages cutting-edge technology to streamline your new construction projects. Our platform offers fast, precise loan estimates and decisioning powered by data from over 85,000 projects. This means you get access to capital quickly, keeping your construction on schedule. Our digital tools simplify project management, enabling efficient loan tracking and updates. With Kiavi, expect transparent, fast, and tailored financing solutions, giving your build-to-rent or build-to-sell projects a competitive edge.
Reviews

See why 17,000+ real estate investors trust Kiavi

From first-time flippers to experienced real estate investors, Kiavi provides the support, expertise, and capital to make investing in new construction easy.

"Fast and easy process. Everything was done in a timely manner. They were easy to reach when I had questions, and there were no surprises. Highly recommend!"
Kaveh N.
03/25/24 via Trustpilot
"Kiavi was quick and easy to work with. I look forward to closing more deals with them soon."
Elyse G.
03/07/24 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
"Kiavi is speed. I just funded one start to finish in 36 hours, no documents required."
r/loanoriginators
05/02/24 via Reddit
Resources

Discover why we're the trusted choice for your new construction projects.

Have questions about new construction loans or expanding your real estate investment strategy? Kiavi is here to help. In addition to financing, we provide free tools such as customer success stories, expert-led webinars, and industry insights to keep you informed and support your growth with confidence.

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Transform your new construction real estate investments

Unlock flexible financing, a fast online platform, and expert support—trusted by thousands of real estate investors nationwide. Kiavi specializes in new construction and infill loans, helping you build faster, close smarter, and develop with confidence.

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