Kiavi
Tech-enabled lender that prices and approves loans for residential real estate investors using proprietary machine learning, including an after-repair-value model that scores fix-and-flip and rental deals in seconds.
Best for: Residential real estate investors who want fast, data-driven financing for fix-and-flip, bridge, DSCR rental, and new-construction projects.
Last reviewed 6/2/26
- Pricing
- DSCR rental loans advertised starting at 6% interest; rates vary by loan terms, borrower qualifications, LTV, and property factors. Jumbo loans available up to $10 million.
- Property types
- Residential
- Geography served
- United States (49 states plus Washington, D.C.)
How Kiavi uses AI[1][3]
Kiavi prices and approves loans for residential real estate investors with proprietary machine learning models trained on its own lending data, including an after-repair-value model that scores fix-and-flip and rental deals in seconds.
- • Proprietary after-repair-value (ARV) ML model gives an instant post-renovation valuation for fix-and-flip projects
- • ML risk models score loan quality from property fundamentals, weighing 20+ unique factors to set pricing
- • Models are trained on the company's own transaction history and data flywheel from 100,000+ funded loans (vendor-reported)
- • Real-time data and ML streamline approvals so investors can close in as fast as a few days
- • Self-serve ARV and cash-to-close estimator tool lets investors gauge value and ROI before applying
AI type: Predictive analytics and ML valuation
API: unknown MCP: no
Key numbers[3][1]
- • 100,000+ loans funded representing $27B+ in volume as of June 2025 (company-reported)
- • 102,000+ properties financed
- • $730M funded in April 2025, a monthly record
- • 84% repeat customer rate
- • ML models weigh 20+ unique property factors
Credibility[2][3][4]
- Founders
- Co-founded by Matt Humphrey and James Herbert in 2013 (as LendingHome); now led by CEO Arvind Mohan
- Customers
- 26,000+ real estate investor customers; 100,000+ loans funded; 84% repeat customer rate (company-reported)
- Investors
- Ribbit Capital, Foundation Capital, First Round, Colony Capital, and others; $200M+ in venture funding raised
Founded
2013
Headquarters
Pittsburgh, Pennsylvania, USA
Stage
Late-stage / private (formerly LendingHome)
Employees
500+
Sources
- Kiavi - homepage (ML approvals, ARV model, 20+ factors, loan products, geography)
- Kiavi - About page (founders, founding year, Pittsburgh HQ, leadership, investors)
- PR Newswire - Kiavi funds 100,000 loans, $27B volume, AI/ML data flywheel (Jun 2025)
- Kiavi - Press page (500+ employees, $200M+ venture funding, awards, securitizations)
- Kiavi - Named a Top Technology Company by HousingWire (2026)
- Kiavi - Named 2025 Top Technology Company by HousingWire
- Kiavi - Named Best Real Estate Investment Platform by FinTech Breakthrough (2025)
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