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.

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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

Unlock fast, easy, and reliable financing with fast closings to keep pace with cash buyers. 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, personalized for your next deal.
Fix-and-Flip Rates + Terms
Rates as low as 7.75%*
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
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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):

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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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Estimated ARV $450,000
Interest Rate 7.75%
Cash to Close $45,650

Get a fast financing estimate

Stop guessing and start investing with confidence! Kiavi helps you quickly estimate your financing options—simply add a few project details like the property address and rehab scope to unlock an estimate for:

  • After Repair Value (ARV)
  • Cash to Close
  • Interest Rate
  • Valuation Comparables
Get Estimate

Kickstart your fix-and-flip loan financing

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Get pre-qualified online

Plug your property's address into our pricing calculator, and our advanced platform will analyze eligibility instantly by evaluating factors like square footage, location, and more to identify the most favorable pricing and terms available for your unique deal.

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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? With no application fee or upfront costs, there’s no obligation for you to access fast, easy financing for your deal.

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.

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$23+ billion

of loans funded

house

85,000+

projects funded

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45 states + DC

where we lend

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.

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.

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