Kiavi

Long Term Rental Loan DSCR Loan
Property Types	2-4 Units, Condo, SFR
Lendding Area	alabama, arizona, arkansas, california, colorado, connecticut, florida, georgia, illinois, indiana, kansas, maryland, minnesota, montana, nevada, new-jersey, new-york, north-carolina, oklahoma, oregon, pennsylvania, south-carolina, tennessee, texas, utah, virginia, washington, west-virginia, wisconsin, wyoming
Loan amount Minimum	$75,000
Loan amount Maximum	$1,500,000
Interest Rate Minimum	6.75%
Terms	5/1 ARM, 7/1 ARM, 30 year
Interest Only or Amortized	Amortized and Interest Only Options available
Fees	Application
Cross Collateralize Blanket	Yes
Lien Position	1st
Prepayment Penalty	3+ years
General Pricing or Guideline info	We do not need the property to be occupied, but we will limit the maximum ltv to 70%. We would need the tenant to be in the property prior to the application being started, and the dscr to be above 1.1 to lend the full 75%.
Updated as of	2023-05-05

Rehab Loan
Property Types	2-4 Units, Condo, SFR
Lendding Area	alabama, arizona, arkansas, california, colorado, connecticut, florida, georgia, illinois, indiana, kansas, maryland, minnesota, montana, nevada, new-jersey, new-york, north-carolina, oklahoma, oregon, pennsylvania, south-carolina, tennessee, texas, utah, virginia, washington, west-virginia, wisconsin, wyoming
Loan amount Minimum	$75,000
Loan amount Maximum	$1,500,000
Interest Rate Minimum	9.25%
Terms	1 year, 18 month, 2 year
Fees	Application
Lien Position	1st
Updated as of	2023-05-05

Summary of all Guidelines
Loan Types	Bridge Loan, DSCR Loan, Hard Money Loan, Rental Portfolio
Property Types	SFR
Lendding Area	alabama, arizona, arkansas, california, colorado, connecticut, florida, georgia, illinois, indiana, kansas, kentucky, maryland, massachusetts, michigan, minnesota, missouri, nevada, new-jersey, new-york, north-carolina, ohio, oklahoma, oregon, pennsylvania, south-carolina, tennessee, texas, virginia, washington, west-virginia, wisconsin
Loan amount Minimum	$75,000
Loan amount Maximum	$2,000,000
Interest Rate Minimum	6.75%
Interest Rate Maximum	11%
Points Minimum 1st TD	1
Points Maximum 1st TD	3
Terms	1 year, 1.5 years, 2 years, 5 years, 7 years, 30 years
Interest Only or Amortized	Interest Only
Prepayment Penalty	3 years
LTV Bridge	85
LTC Construction	90
ARV Rehab & Construction	75
LTC Rehab	100
LTV Long Term Rental	75
Personal Guarantee /Recourse Required	Personal Guarantee Required / Recourse
Intended Occupancy	Tenant
Percentage of Budget Financed - Rehab	100
LTC Percentage of Budget Financed	100

Kiavi uses the power of technology to offer a simpler, more reliable, and faster way for real estate investors to access financing for their next investment property.

Easy financing processes and reliable capital for real estate investors:

Waiting on slow and time-consuming funding is a thing of the past. Our technology platform puts the power directly into real estate investors’ hands. Apply for hard money loans, get visibility into the process, and receive funding more quickly. We make applying for financing for your investment properties easy.

Kiavi is located in San Francisco, CA. They offer financing for Bridge Loans, Hard Money Loans, DSCR Loans and Rental Portfolio. The property type they primarily lend against is SFR. Their minimum loan amount is $75,000. Their maximum loan amount is $2,000,000. They offer loans for a minimum Term of 1 year. Maximum duration of 1 year;1.5 years;2 years;5 years;7 years;30 years. Although rates can change they are typically lending at a minimum rate of 6.75%. Maximum interest rate of 11%. Points charged are deal specific, but historically have charged a minimum of 1. Maximum points charged are 3.

These descriptions are limited information and meant for general reference purposes.