Kiavi Funding

What Kiavi Funding does

Kiavi (formerly LendingHome) is an AI-powered non-bank private lender that provides residential real estate investment financing to individual and institutional real estate investors across 49 U.S. states plus Washington, D.C. Founded in 2013 in Pittsburgh, PA and rebranded from LendingHome to Kiavi in November 2021, the company has originated over $30 billion in loans across 100,000+ residential investment projects, including a record $7.8 billion in 2025 (a 20% year-over-year increase).

The core product portfolio comprises four loan types: Fix-and-Flip/Bridge Loans (rates starting at 7.75%, terms 12-24 months, up to 100% LTC and 80% ARV, loan sizes $100K-$5M), DSCR Rental Loans (rates starting at 5.875%-6%, terms up to 30-year fixed or ARM, qualification based on property cash flow rather than borrower income), New Construction Loans (rates starting at 9%, up to $10M, up to 85% LTTC), and Jumbo Loans (up to $10M for high-value investment deals). Underlying the product suite is a digital platform that combines AI-powered underwriting, proprietary in-house valuation models trained on 100,000+ funded projects, automated document review, real-time ARV and Cash-to-Close Estimator, photo-based digital draw verification, and in-house servicing from origination through payoff.

Kiavi monetizes primarily through loan interest, origination fees collected at closing, and extension fees on bridge loans (1% of unpaid principal for 3-month extensions). Capital is sourced through the LHOME securitization shelf ($6.8B issued across 24 transactions, including a $350M rated securitization in February 2026 oversubscribed 5x) supplemented by venture backing from Foundation Capital, RenRen, Colony Capital, First Round, Ribbit Capital, and SAB Capital. Distribution is hybrid: a self-serve digital platform and mobile app, a 250+ person inside sales and operations team, a dedicated broker program, a real estate agent referral network, and a PartnerStack-powered affiliate/Refer-a-Friend program serving three customer personas (Emerging, Pro, and High-Volume Investors).

Name

Kiavi Funding

Legal name

Kiavi Funding, Inc.

Website

https://lendinghome.com

Company type

Private

Founded year

2013

Operating status

Operating

Short description

Kiavi is an AI-powered non-bank lender providing fix-and-flip bridge, DSCR rental, new construction, and jumbo loans to residential real estate investors across the US, with $30+ billion originated since 2013.

Ownership category

akta.pro rank

Product category

Residential Real Estate Investment Lending

NAICS

Commercial Banking (52211)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

akta.pro secondary industries

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Real estate investment lending
• Fix-and-flip financing
• Rental property loans
• New construction financing
• Non-bank mortgage lending

Headquarters

HQ city

Pittsburgh

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Loan Interest: Kiavi generates revenue primarily through interest charged on investment property loans including fix-and-flip bridge loans, DSCR rental loans, and new construction loans. Interest rates vary by product: fix-and-flip starting at 7.75%, rental starting at 6%, new construction starting at 9%.
2. Origination Fees: Origination fees are collected at closing based on the final loan amount. No application fees are charged upfront.
3. Extension Fees: For bridge loans approaching maturity, extension fees of 1% of unpaid principal balance are charged for 3-month extensions.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Kiavi Funding is an AI-powered non-bank lender that originates residential real estate investment property loans to individual investors. Its core offerings include short-term fix-and-flip (bridge) loans, long-term DSCR-based rental loans, ground-up new construction loans, and jumbo investment property loans, all underwritten and serviced in-house through a proprietary digital platform.

Product overview

Kiavi is an AI-powered non-bank lender providing a unified lending platform for residential real estate investors. The core product portfolio includes Fix-and-Flip Loans (short-term bridge financing for property renovation and resale), Rental Loans (DSCR-based long-term financing for buy-and-hold strategies), New Construction Loans (ground-up development financing), and Jumbo Loans (high-value investment property financing). These products are accessible through Kiavi's digital platform which features tools like the ARV and Cash to Close Estimator for project modeling. The platform qualifies deals based on property value rather than borrower income, using AI-powered underwriting and in-house servicing.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix-and-Flip Bridge Loans
• DSCR Rental Loans
• New Construction Loans
• Jumbo Loans
• ARV and Cash to Close Estimator

Quantifiable outcome

• 95% successful exit rate on funded loans vs ~75% industry average
• +4 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability6 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• PartnerStackcoreGTM or Marketing PartnerThird-party referral management platform hosting Kiavi's Refer-a-Friend program. Partners access unique referral links, tracking dashboards, and payout management through PartnerStack.
• StripecoreGTM or Marketing PartnerThird-party payment platform used for referral bonus disbursements. Referring parties must submit ACH information through Stripe to receive referral payments.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• PeerStreet: PeerStreet is a private real estate lending marketplace offering short-term bridge and rental loans to individual real estate investors — directly overlapping Kiavi's fix-and-flip and DSCR products and borrower segments.
• NewRez (formerly New Penn Financial): NewRez is a major non-QM and DSCR lender with an active securitization program; it competes with Kiavi across DSCR, non-owner-occupied, and investor residential loan products.
• Verus Mortgage Capital: Verus Mortgage Capital is a non-QM and investor loan lender that securitizes loans for the private-label MBS market — a near-direct competitor to Kiavi in non-owner-occupied DSCR and investor lending.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions originates and securitizes non-QM residential loans including DSCR investor products, competing directly with Kiavi's rental lending product line.
• Lument: Lument (formerly Hunt Real Estate Capital/Lancaster Pollard) provides commercial and multifamily real estate finance including construction lending, overlapping with Kiavi's new construction product line.
• Deephaven Mortgage: Deephaven Mortgage is a non-QM lender focused on DSCR, investor, and other non-traditional residential loans — directly comparable to Kiavi's DSCR and investor property offerings.
• Fund That Flip: Fund That Flip provides fix-and-flip and rental financing to real estate investors with a digital application platform, making it a directly comparable non-bank lender to Kiavi's core bridge/DSCR products.

Broad incumbents

• CoreVest Finance (Redwood Trust): CoreVest, a subsidiary of Redwood Trust, finances single-family rentals and fix-and-flip investors — directly competing with Kiavi's DSCR and bridge products from within a larger, publicly traded securitization platform.

Emerging players

• Groundfloor: Groundfloor is a fintech real estate investment and lending platform offering short-term fix-and-flip financing to individual investors, with partial overlap with Kiavi's bridge product in the emerging investor segment.
• Hometap: Hometap provides home equity investment solutions to homeowners and is adjacent to Kiavi's investor financing business; relevant as an emerging fintech player using technology to expand non-traditional real estate finance.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/kiavi_inc
• Facebookfacebook.com/gokiavi
• LinkedInlinkedin.com/company/kiavi
• Instagraminstagram.com/kiavi_inc

Compliance12 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kiavi Funding