Direct lender comparison
Kiavi vs CR Equity AI What changes for your deal
Direct lender. We lend our own capital. Here’s how we compare with Kiavi on speed, credit, leverage, and products. Soft pull to see our terms.
- Fastest fund
- 24-48 hours
- To see terms
- 5 minutes
- Credit to see terms
- Soft pull
- 100% LTC
- 3 projects · ≤$1M
Compare
Kiavi vs CR Equity AI
Kiavi is a national investor lender for Fix & Flip, DSCR rentals, and construction. They publish $30B+ originated since 2013.
Our column is what we publish. Their column is what Kiavi publishes. Full 100% LTC rules sit below the table.
| Kiavi | CR Equity AI | |
|---|---|---|
| Speed | 5-day bridge close | Terms in 5 minutes. Decision in 4 hours. Fund in as little as 48 hours. |
| Underwriting | AI underwriting | AI screens the deal. A human underwriter signs off before terms go out. |
| Credit & experience | Asset-based · no hard pull | Soft pull. From 660 FICO — first-time investors included. No FICO? F.L.E.X. 50™ (max 50% LTV). |
| Leverage | Up to 100% LTC / 80% ARV | Up to 100% LTC on qualifying Fix & Flip. First-timers from 70% LTV at 660+. |
| Who we fund | No experience required | First-time investors welcome. Soft pull. No-FICO path available. |
| Fix & Flip / Bridge | Flagship Fix & Flip | Fix & Flip and bridge — $75K to $100M. |
| DSCR (buy & hold) | DSCR from 0.8x* | DSCR rentals — $75K to $100M. |
| Who lends | Securitized shelf | Direct lender. We lend our own capital. |
We publish this page. Figures for other lenders come from what they publish (or our dated review of their sites) — not a copy of their full rate sheet. Their size claims are theirs.
100% LTC
The conditions for 100% LTC
Qualifying Fix & Flip loans can reach up to 100% LTC if you have at least three completed projects and the loan amount is $1,000,000 or less. Always “up to” — actual leverage depends on the deal. Credit score does not decide the 100% LTC option.
First-time investors do not get 100% LTC. On our published Bridge grid, a first-time investor with a 660–699 credit score starts at 70% LTV.
See the full Fix & Flip program for published leverage grids, fees, and property eligibility.
Soft credit pull only — no hit to your score to get terms
Borrower type
ITIN or foreign national?
ITIN and foreign-national status describes the borrower, not the loan type. For investment property, use DSCR. Second homes need full documentation.
Those paths are separate from 100% LTC Fix & Flip on this page.
Questions
Kiavi questions
Plain answers. See more lenders on the compare page.
Yes, if you want a direct lender with published Fix & Flip terms and a soft pull to see a number. Direct lender. We lend our own capital. Figures for Kiavi on this page are from what they publish — not their full rate sheet.
No. First-time investors do not get 100% LTC. On our published Bridge grid, a first-time investor with a 660–699 credit score starts at 70% LTV. The 100% option needs three closed projects and a loan of $1,000,000 or less.
Soft credit pull only — no hit to your score to get terms
No. We publish this page. Figures for other lenders come from what they publish (or our dated review of their sites) — not a copy of their full rate sheet. Their size claims are theirs.
ITIN and foreign-national status describes the borrower, not the loan type. For investment property, use the DSCR program. Second homes need full documentation. Those paths are separate from 100% LTC Fix & Flip.
Published Bridge floors: rate from 10.99%, 1.50% lender fee, $999 AIVAA™ fee, $599 application fee due when you sign the term sheet. The signed term sheet controls.
Rate floors and common fees are on /rates. The Pricing Policy lists every fee. Final pricing is on the signed term sheet.
Next step
See terms on your deal
Real terms in 5 minutes. Soft credit pull only — no hit to your score to get terms. Direct lender. We lend our own capital.
See my terms