Fix-and-Flip Loans

Short-term financing for your fix-and-flip projects

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.

Get Pre-qualified
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Quick closing

Close in as few as 7 business days to compete with cash buyers

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High leverage

No need to drain your own funds. We offer up to 95% LTC / 80% ARV

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Competitive rates

Maximize your returns with our competitive fix-and-flip loan rates and terms

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Fast funding for real estate investments

Accelerate your fix-and-flip projects with Kiavi's dedicated loans. Tailored for property rehabs, these loans let you harness your capital efficiently, ensuring fast closings to keep pace with the dynamic real estate market. Benefit from Kiavi's in-house servicing and online pricing platform for a seamless and efficient financing experience from beginning to end, specifically designed for your house flips.
Fix-and-Flip Rates + Terms
Rates as low as 8.25%*
Loans from $100K to $3MM
Up to 95% of purchase price
Up to 80% of after-repair value
12, 18 + 24 month terms w/ interest-only options
100% of rehab cost
No Application Fee / No Appraisal / No Income Verification
See Your Rate

Loans tailored to house flippers

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

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New purchase

Kiavi provides the funds to purchase 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. 

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Delayed purchase refinance

Using your own cash or home equity to purchase a property, restore your original cash position within 6 months of the property 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.

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Simplified financing for your flipping projects

At Kiavi, we streamline the financing process of your fix and flip projects. Our fix-and-flip loans are designed for speed, surpassing traditional banks in getting you to the closing table faster. Say goodbye to tedious paperwork like pay stubs and W-2s—our innovative, tech-driven platform cuts through the clutter, getting you to the closing table faster. Experience the ease of a modern, hassle-free approach to financing your real estate deals with Kiavi.

Kickstart your fix-and-flip loan financing—it’s as easy as 1, 2, 3!

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Get pre-qualified online

With just a soft credit pull, we can give you the confidence to make offers on hard-found deals and compete with cash buyers. Plus, when you enter a property’s address into our online calculator, Kiavi's technology platform actively evaluates factors like square footage, location, and more to identify the most favorable pricing available.

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Connect with us

When you find your property, let’s review the numbers–leverage our experience and expertise for your project, we’ve seen it all! Our team of financing experts is here to help.

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Submit your application

Like what you see? It's GO time. With no application fee or upfront costs, there’s no obligation for you.

No 3rd-party appraisal on fix-and-flip loans!

Waiting on appraisals is often a hurdle when using banks or other hard money lenders to finance your fix & flips. Kiavi instead uses an internal valuations team that speeds up the process, getting you to the closing table quicker!

Kiavi Fix-and-Flip Loan FAQ

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.

Discover the benefits of Kiavi's in-house loan servicing

Kiavi takes pride in servicing all our fix-and-flip loans from close to payoff. Unlike others who outsource, we ensure a seamless, fast, and consistent experience with our in-house team.

See how we keep things smooth even after your bridge loan closes.

Visit Our Servicing Page
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On-Demand Webinar

Want to learn more on how funding decisions can impact your ROI?

Real estate investors have more options in investment strategies than ever before. Kiavi walks you through the differing factors among these strategies and real-life examples of the impact of funding decisions.

Watch Now
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The more you do, the more you get

Each investor we work with is unique, and no two deals are alike. We’ll work together to support your investment goals. Plus, as your business grows, your rates and benefits will improve as well.

Experienced real estate investors with at least 5 exits in the past 24 months, we will take that into account and customize a plan for your thriving business model with lower closing fees, customized points, and even quicker closings.

From new investors to seasoned professionals, Kiavi is invested in your growth and wants to help you fulfill your dreams of building wealth through real estate.

Let's Get Started Together
I’m able to go into a property with a lot of confidence. I’m not going to go to underwriting and have the deal shot down for this or that reason. If I have a deal, I know Kiavi is going to fund it.
Paul F.
Real Estate Investor | Kiavi Customer
money

$21+ billion

of loans funded

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80,000+

projects funded

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32 states + DC

where we lend

Transform your fix-and-flip real estate investments

Embrace our innovative solutions, tech-driven insights, and unwavering support. Partner with Kiavi to make your flipping journey a success story, backed by our state-of-the-art technology and comprehensive support.

Get Started Today