RTL Fix-and-Flip & Bridge Lender · Institutional Business-Purpose RTL & DSCR Shelf

Kiavi (Formerly LendingHome) — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Kiavi is a tech-enabled residential transition loan (RTL) and 30-year DSCR rental lender specializing in algorithmic valuation and high-velocity fix-and-flip bridge executions for experienced 1–4 unit operators.

2026 Rate Band
6.625% – 9.750%
Max Purchase LTV
80% DSCR / 90% RTL LTC
Max Cash-Out LTV
75% DSCR
Min DSCR / FICO
1.00x – 1.20x · 660+
Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Kiavi (Formerly LendingHome) Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Kiavi (Formerly LendingHome) against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Kiavi (Formerly LendingHome) — Institutional Underwriting Matrix

Headquarters & FootprintPittsburgh, PA / San Francisco, CA
Loan Amount Range$100,000 – $3,000,000
Typical Closing Window10 – 15 Business Days
Prepayment Penalty Options5-Yr, 3-Yr Step-Down (DSCR) / Zero PPP (Bridge)
Eligible Entity VestingLLC, Corporation, LP
Core Program Specialties
  • Fix-and-Flip RTL Bridge
  • BRRRR Bridge-to-DSCR Takeout
  • 1–4 Unit Turnkey DSCR

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Browse Active States & Programs on California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing

Kiavi (Formerly LendingHome) — 2026 DSCR, LTV & Credit-Box Review | California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing