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Investors searching Jaken Finance Group vs Kiavi want the same thing: speed, leverage, and clarity on rehab draws without surprise conditions at closing. Kiavi built a national tech-forward brand with proprietary market data; Jaken Finance Group built metro-specific investor hubs with worked economics in Chicago, Charlotte, Tampa, Indianapolis, and the DMV.
Related comparisons: Kiavi alternatives · Kiavi fix and flip rates · Best hard money lenders 2026
Use current, dated quotes for the same property when comparing Jaken Finance Group and Kiavi. Ask each lender to identify the purchase advance, rehab holdback and conditions still open. Published product summaries do not replace the terms offered on your file.
Side-by-side program market overview (2026)
| Factor | Jaken Finance Group | Kiavi (public positioning) |
|---|---|---|
| Primary focus | Non-owner-occupied investment RE | Residential investor bridge / rental |
| Geography | Focus states + DC/DMV depth | National scale |
| Close speed | 7–10 business days on qualified HM files | Tech-driven origination; varies by file |
| LTC / leverage | Up to 100% of cost, capped at 75% of after-repair value | Published tier programs — verify current |
| Local content | Metro hubs, neighborhood spokes, case studies | Market pulse data; less neighborhood depth |
| DSCR exit | State + metro DSCR hubs, calculator | Rental / bridge-to-hold products |
| Best fit | Sponsors who want local comp discipline in focus markets | Sponsors scaling multi-state with platform UX |
When Jaken Finance Group may fit better
Chicago two-flat or collar county BRRRR — RLTO, Cook County tax reassessment, and collar vs city NOI are documented on Illinois hubs and Chicago fix and flip. National lenders may not surface RLTO expense in pro forma conversations.
Florida coastal insurance — Wind and flood tiers swing DSCR by parcel. Jaken Finance Group publishes Florida DSCR insurance impact and metro spokes (Tampa, St Pete, Fort Lauderdale, West Palm) with address-level diligence checklists.
For a DC rowhouse, ask whether each quote’s term leaves room for the documented approval and construction schedule. The DC rehab timeline guide helps organize that review. For a separate Maryland rental purchase, use the Bethesda DSCR guide rather than carrying DC assumptions across the border.
Use the Fountain Square walkthrough and Greenville Nicholtown example to frame questions about a rental exit. For sale-focused files, compare the issues in Park Circle and Petworth. Examples help organize your questions; they do not establish the terms available on a new property.
When Kiavi may fit better
Multi-state volume outside Jaken Finance Group focus markets — If your pipeline is spread across states without local hub support, a national platform with standardized UX may reduce friction.
Data-driven market selection — Kiavi’s Fix-and-Flip Market Pulse and similar research help sponsors compare MSA-level trends when you are market-agnostic.
Platform integrations — Teams already embedded in Kiavi’s ecosystem for repeat bridge may prefer continuity over adding a regional lender.
Fix and flip math both lenders expect you to know
Use our fix and flip profit calculator before you apply either way:
| Line item | Typical sponsor model |
|---|---|
| Purchase + rehab | All-in basis |
| Hard money IO carry | 8.99%–13.5% interest-only on the balance Jaken Finance Group actually funds |
| Hold | 4–6 months cosmetic; 8–12 heavy |
| Sale costs | 7%–9% of ARV |
| Minimum net spread | $15K–$25K+ on sub-$300K ARV |
If flip spread is thin, model DSCR hold exit — both bridge lenders care whether your Plan B clears ratio.
Draw schedules and rehab discipline
Both institutional bridge lenders use milestone draws — not a single wire on day one for full rehab.
Jaken Finance Group typical cadence on documented GC files:
| Milestone | Scope |
|---|---|
| Draw 1 | Demo, rough mechanical, roof when required |
| Draw 2 | Rough inspections passed |
| Draw 3 | Drywall, cabinets |
| Draw 4 | Finish, CO path |
Sponsors who win approvals bring line-item scopes, three sold comps, and entity docs at pre-qual — see choose the right hard money lender.
Rate and points — how to compare apples to apples
Ask both lenders on the same hypothetical file:
- Interest rate — IO bridge vs any float features
- Origination points — on total loan amount
- LTC cap — experience tier
- Extension fees — if DOM runs long
- Minimum interest — 3–6 months common
- Exit flexibility — DSCR refi seasoning if BRRRR
A lower rate with lower LTC may require more cash in and reduce ROI on cash — model both.
Geography overlap
Jaken Finance Group focus markets with deep local SEO hubs:
- Illinois · Indiana
- North Carolina · Georgia
- Florida · South Carolina
- Washington DC · Maryland · Virginia
Compare full focus-state breakdown: hard money lender comparison 2026.
Worked comparison — identical Indianapolis BRRRR file
Use the same hypothetical on both term sheets before you choose:
Acquisition: $118,000 side-by-side duplex (Near Eastside Indianapolis)
Rehab: $52,000 — panels, HVAC, kitchens/baths
All-in: $170,000 · ARV: $235,000 · Stabilized rent: $2,750/mo gross
| Line item | Ask Kiavi | Ask Jaken Finance Group |
|---|---|---|
| Max leverage | Platform experience tier | Lower of 100% of cost and 75% of after-repair value |
| Rate band | Quote within 8.99%–13.5% IO | Same band — compare points |
| Origination points | Verify on $153K–$170K loan | Verify on same loan amount |
| Draw inspection SLA | National vendor schedule | 3–5 business days typical on focus-market file |
| Minimum interest | Often 3–6 months | Confirm on term sheet |
| BRRRR DSCR exit | Separate rental desk / product | 5.75%–10.5% DSCR same relationship |
| Comp review | Template MSA comps | Marion County ward comps within 0.5 miles |
Six-month IO carry on $153,000 at 10.75% ≈ $8,200 — model before you waive inspection. That $153,000 figure is 90% of the $170,000 all-in cost. It sits below the program maximum. On these numbers, 75% of the $235,000 after-repair value is $176,250, so 100% of cost ($170,000) is the tighter cap. If flip spread thins below $18K net, pivot to hold and run DSCR calculator on honest Marion County opex.
Also compare Renovo Financial if you want a national grid with Chicago HQ heritage.
The October 2026 mortgage survey is a different loan
Freddie Mac’s weekly survey put the average 30-year fixed mortgage at 7.28% for the week of October 1, 2026. The prior week, September 24, printed 7.03%. The series is FRED MORTGAGE30US.
That survey is not a fix-and-flip quote. Jaken Finance Group prices fix-and-flip and bridge loans at 8.99%–13.5% interest-only. A flip runs 6–12 months. A bridge runs 12–24 months, up to 90% of the purchase price on a qualified file. You pay interest on the balance. Principal stays in place until sale or refinance.
Use the survey as a yardstick for the buyer’s permanent loan, not as your carry rate. Ask the other lender for rate, points, and any minimum interest. Drop both numbers into the fix and flip calculator.
Example: when the after-repair cap binds first
Example. Purchase price $265,000. Rehab budget $95,000. All-in cost $360,000. After-repair value $460,000.
Jaken Finance Group can fund up to 100% of cost on a qualified file. The loan is still capped at 75% of after-repair value. Here, 75% of $460,000 is $345,000. Full cost is $360,000. The lower figure wins, so the loan is $345,000. The sponsor still brings $15,000 of project cost, before points and reserves.
Six months of interest-only carry at 11.25% on $345,000 is $19,406. That rate is inside the published band. It is an illustration, not a lock.
Sell at $460,000 with selling costs of 8% ($36,800). Cash left before points:
$460,000 − $36,800 − $345,000 − $19,406 = $58,794.
A cheaper rate on a smaller loan can trap more of your cash. Compare the wire, not the rate in isolation.
Do not mark the $460,000 value up because national prices rose. The U.S. FHFA purchase-only index was 443.52 in July 2026, up 2.6% from 432.40 in July 2025. It is seasonally adjusted. January 1991 equals 100. The profit in this example comes from basis and scope.
What a 10% materials move does to the scope
Construction materials in the producer price index stood at 375.908 in August 2026. The August 2025 reading was 341.458, so the index is 10.1% higher than a year earlier. It is not seasonally adjusted. Source: FRED WPUSI012011.
Do not multiply the entire rehab by 10.1%. Labor and permits are not that index. Do rebid lumber, drywall, and mechanical equipment before either lender sets the draw schedule.
A stale materials number can stall a later draw even when day-one leverage looked fine. Bring current supplier quotes with the scope.
Business days, and the rental exit beside them
A complete Jaken Finance Group fix-and-flip or bridge file closes in 7–10 business days. The count starts when the package is complete. Weekends do not count. The first phone call does not start the clock.
The rental exit is separate. A DSCR loan closes in about 14 business days. The rate band is 5.75%–10.5%. Purchase leverage goes up to 85%. Cash-out goes up to 80%. A rate-and-term refinance goes up to 85%. Those caps are for select markets and qualified borrowers.
Jaken Finance Group lends in all 50 states. The longest local write-ups cover Illinois, Indiana, the Carolinas, Georgia, Florida, and the Washington, D.C. area. A national platform can still be the practical choice when the property sits outside those guides. Read fix and flip loan requirements before you assume either shop will waive a missing scope.
Six questions that change the wire
Put these on both term sheets:
- Is the loan the lower of cost and 75% of after-repair value?
- Are points charged on the full commitment, or only on dollars drawn?
- How many months of interest are earned if you sell in month three?
- What is the extension fee if the listing is still active in month seven?
- Who inspects draws, and how many business days after a passed inspection is the wire?
- Will the same lender quote the DSCR loan once a lease is in place?
Call (833) 264-7776 with the purchase contract and the scope if you want those six answers on a Jaken Finance Group term sheet.
Bottom line
Kiavi wins on national scale and platform data. Jaken Finance Group wins on focus-market economics, neighborhood depth, and DMV/RLTO/coastal insurance diligence where local underwriting details change outcomes.
Run your deal through both if eligible — the right lender is the one that closes on your timeline with terms that survive your actual rehab scope and exit.
Before choosing between quotes, calculate the cash you must bring to closing and retain for unfinished work. Use the fix-and-flip calculator with the quoted fees and interest method. Send the property for review with the price, scope and planned sale date so the offers use the same assumptions.
Rates, terms and conditions offered only to qualified borrowers and are subject to change without notice. Kiavi is a separate company; this page is Jaken Finance Group’s educational comparison only. Jaken Finance Group only finances non-owner occupied investment properties.