Overview
Kiavi (formerly LendingHome) is one of the largest hard money lenders by volume in the country. Tech-forward platform with online application and fast underwriting for experienced borrowers. Active across Chicago and all major investor markets.
Kiavi is based in San Francisco, CA and was founded in 2013. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge, new-construction financing. Their loan amount range runs from $75K to $3.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Geographic coverage | National |
| Loan size | $75K – $3.0M |
| Interest rate range | 9.5% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 80% of ARV |
| Max LTC | 95% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
Strengths
- national leader by volume
- tech-forward application
- aggressive on funded-deals-history borrowers
- broad property type coverage
Ideal borrower
Experienced investor wanting fast tech-driven origination with national reach
How Kiavi compares for Chicago investors
For Chicago metro investors specifically, Kiavi operates as one of multiple national options — competitive on broad product menus but local Chicago lenders sometimes win on relationship and close speed. As an institutional non-QM lender, their underwriting is templated and predictable — fast for experienced borrowers, less flexible for non-standard deals.
Common alternatives in Chicago
- Renovo Financial — Chicago-based, deepest local knowledge
- Kiavi — Tech-forward national leader
- Lima One Capital — Broad product suite, BRRRR-friendly
- Easy Street Capital — STR-DSCR specialist
Kiavi FAQ
Yes — Kiavi operates nationally and regularly funds Chicago-area deals
Kiavi's indicative rate range is 9.5%–12% with 1–3 points. Pricing depends primarily on funded-deals history, deal leverage, and exit certainty.
Kiavi's typical minimum loan is $75K, with maximum loan size up to $3.0M.
Kiavi's typical close timeline is 7-14 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Kiavi offers fix-and-flip, BRRRR, rental, bridge, new-construction financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Experienced investor wanting fast tech-driven origination with national reach
This review is an independent directory listing. Hard Money Chicago is not affiliated with Kiavi. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.