Kiavi fix and flip rates are the number investors screenshot from a homepage — and the number that rarely matches the term sheet. Kiavi (formerly LendingHome) has advertised bridge / fix-and-flip pricing as low as 7.75% in 2026 marketing. Jaken Finance Group publishes 8.99%–13.5% interest-only on qualified non-owner-occupied files. Neither number is a lock. Both are a band until leverage, ARV, experience, and insurance are real.
Read this before you paste 7.75% into a bid. The full brand comparison is Jaken vs Kiavi. Alternatives list: Kiavi alternatives. Market-wide coupons: fix and flip loan rates.
Investors who search Kiavi rates already have a brand in mind. They want a number for a pro forma, not a definition of hard money. Model the teaser and the conditions. A 7.75% line on a 95% LTC first flip is how files die at term sheet.
What Kiavi publishes (and what it does not)
As of spring 2026, Kiavi’s public investor materials have highlighted:
- Rates as low as 7.75% on refreshed bridge / fix-and-flip pricing
- Loan sizes into the $100K–$5M range on some programs
- Total borrower exposure limits published in marketing (verify current)
- Technology-first origination and an ARV estimator
- Experience as a pricing input inside a multi-factor model
Kiavi does not publish a live grid that says “your ZIP + your FICO = this coupon.” The 7.75% figure is a floor for strong files. Kiavi’s own education content has described first-time rates as sitting higher, with better pricing after documented exits.
Treat every competitor starting rate the same way you treat a “from 5.75%” DSCR ad.
Jaken Finance Group published band (August 2026)
| Item | Parameter |
|---|---|
| Rate | 8.99%–13.5% interest-only |
| Term | 6–12 months |
| LTC | Up to 100% on qualified files |
| ARV cap | Up to 75% |
| Close | 7–10 business days on a complete file |
| Credit | Credit-flexible — no minimum FICO on select programs |
A mid-band Jaken Finance Group quote at 10.75% with 1 point and an 8-day close can beat a 8.25% Kiavi path that funds in 18 days if the seller has a backup offer. Rate is not the whole cost of capital. Time is.
How both desks actually price a file
| Lever | Moves Kiavi-style platform pricing | Moves Jaken Finance Group |
|---|---|---|
| Experience | Documented exits in the lookback window | Same — HUD-1s help; not a knockout |
| LTC / LTARV | Higher leverage, higher coupon | Same; 75% ARV still caps the loan |
| Asset | Simple SFR vs two-flat / coastal | Focus-market nuance (RLTO, wind, TOPA) |
| Credit | Often a model input; some broker channels cite FICO floors | Pulled; not the primary gate |
| Hold / extension | Priced in points and minimum interest | Same — read the term sheet |
Stormfield Capital has cited average bridge coupons falling from about 11.1% (Sep 2024) to 10.43% (Sep 2025). That is the market middle. A 7.75% teaser and a 10.5% close can both be “true” in the same week.
Worked all-in — do not model the homepage
Same $220,000 loan, 6-month hold, interest-only:
| Structure | Interest | Points | All-in finance |
|---|---|---|---|
| Kiavi-style 8.25% + 2 pts (illustrative) | $9,075 | $4,400 | $13,475 |
| Jaken Finance Group 10.75% + 1 pt | $11,825 | $2,200 | $14,025 |
| Jaken Finance Group 11.25% + 0.5 pt | $12,375 | $1,100 | $13,475 |
The “cheaper rate” lost on points. If the 8.25% file also needs a second appraisal week, add another $1,800+ of carry at 10% on that balance. Run this on the calculator and the walkthrough.
These Kiavi dollars are illustrative, not a Kiavi quote. Ask Kiavi for a term sheet on your address.
When a Kiavi rate is the right hunt
- Multi-state SFR pipeline already inside their platform
- Repeat sponsor with recent exits and moderate leverage
- You have calendar room for their process
- You want their ARV tool as a second opinion, not as your only comp
When Kiavi may fit is written without trash-talk. Use it.
When the teaser rate is the wrong hunt
- First flip, 90%+ LTC, thin ARV — you will not see 7.75%
- Chicago two-flat, DC row, Florida wind stack — local file risk prices the coupon
- 10-day commercial contract — close clock beats 50 bps
- Credit event you have not explained — 500 credit hard money
How to shop Kiavi rates without wrecking the close
- Get a written Kiavi indication with LTC, points, and estimated close — not a screenshot
- Get a Jaken Finance Group pre-qual on the same package
- Compare all-in and funding date, not APR folklore
- Pick one desk before appraisal is paid — switching resets the clock
Head-to-head still lives at Jaken vs Kiavi · Kiavi vs Lima One.
Worked file — Dallas-Fort Worth ranch, same numbers, two desks
Texas already attracts flip search volume. Use a real cost stack, not a homepage coupon.
| Line | Number |
|---|---|
| Purchase | $195,000 |
| Rehab (kitchen, baths, roof, HVAC) | $55,000 |
| All-in cost | $250,000 |
| Supported ARV | $320,000 |
| 75% ARV cap | $240,000 |
| 90% of cost | $225,000 |
| Loan used | $225,000 (ARV still has room) |
| Planned hold | 6 months |
Interest-only carry on $225,000 for six months:
| Quote shape | Monthly IO | 6-month interest | Points | All-in finance |
|---|---|---|---|---|
| Kiavi-style 8.00% + 2 pts (illustrative) | $1,500 | $9,000 | $4,500 | $13,500 |
| Kiavi-style 9.50% + 1.5 pts (more typical mid-file) | $1,781 | $10,688 | $3,375 | $14,063 |
| Jaken Finance Group 10.75% + 1 pt | $2,016 | $12,094 | $2,250 | $14,344 |
| Jaken Finance Group 11.25% + 0.5 pt | $2,109 | $12,656 | $1,125 | $13,781 |
The 8.00% path wins if you actually get 8.00% and you fund on the contract date. If that path slips two weeks, add about $750–$1,050 of extra IO plus any rate-lock or re-underwrite friction. Texas fix and flip is the state walkthrough. Run the same stack on the calculator.
These Kiavi dollars remain illustrative. Ask Kiavi for a written indication on that address.
What a Kiavi-style model actually prices
National platforms do not hand you a ZIP-code rate sheet. They score a file. The public education on those sites, and the term sheets investors share, keep pointing at the same five inputs:
- Leverage. Higher LTC and tighter LTARV cost more. A 70% ARV request prices differently than a 75% request on the same house.
- Experience. Documented exits in a lookback window — often 24–36 months — move the coupon. First files sit higher, if they clear at all.
- Asset simplicity. A 1980s one-story SFR with three sold comps is cheaper to model than a two-flat, a coastal wind stack, or a condo with an HOA rehab fight.
- Credit as a model input. Some broker channels cite FICO floors. Jaken Finance Group pulls credit and still underwrites the asset first.
- Hold and extension. Short notes with high extension risk are not “cheap” even at a low coupon.
If you send Kiavi a screenshot of their homepage and a one-line scope, you have not applied. You have browsed. The how to get a fix and flip loan package is what both desks can actually price.
Dual-apply without burning the contract clock
Two term sheets are useful. Two appraisals on a 14-day close are not.
- Build one PDF: contract, scope, bids, three sold comps, liquidity, entity docs.
- Send that PDF to Jaken Finance Group pre-qual and to Kiavi (or your Kiavi broker) the same morning.
- Ask both desks for rate, points, LTC, estimated funding date, minimum interest, and extension in writing.
- Pay one valuation once you pick a desk. Switching after the appraisal is ordered usually resets the clock.
- If the seller already has a backup offer, weight funding date over 25–50 basis points. See how long a fix and flip loan takes to close.
Do not let two loan officers “hold” the same title company without a chosen lender. That is how wires miss.
Minimum interest, extension, and the 7.75% trap
A low coupon with a six-month minimum interest clause can cost more than an 11% note you pay off at month four. Ask both desks:
- Is there a minimum interest period? How many months?
- What is the extension menu — flat fee, rate bump, or both?
- Are points due at close or deferred to exit? Deferred is not free. It is interest on the points.
- Who pays the appraiser if the seller walks?
Points and fees is the term-sheet decoder. Use it before you argue about 7.75% versus 10.75%.
Focus-market files vs a national SFR template
Kiavi built a machine for volume SFR. That machine is often the right hunt on a clean Dallas or Phoenix ranch. It is a weaker hunt when the risk is local:
- Cook County two-flats and RLTO overlays — Chicago fix and flip
- Florida wind / flood bindability before anyone should fight over 25 bps
- DC / Maryland row houses with permit and tenant stories
- First-file 90%+ LTC with thin ARV — beginners / no experience
Jaken Finance Group still prices inside 8.99%–13.5%. The difference is the file story: comps, contractor, and a 7–10 business day close on a complete package. That is not a claim that every national file is slower. It is a claim that your contract date is the constraint, not their homepage.
After both term sheets land
Pick one desk. Tell the other desk you are passing. Then:
- Re-run the calculator on the chosen rate, points, and hold — not the teaser
- Bind builder’s risk before the first draw
- Vest in the LLC you underwrote — closing a flip in an LLC
- Keep a two-week slip reserve. Permit and GC delays are how mid-band quotes become expensive quotes
If you already have a Kiavi decline or a “come back after one exit” note, send it with the file. Hard money denied is the rewrite path.
Kiavi fix and flip rates FAQ
What are Kiavi fix and flip rates?
Kiavi’s public marketing in 2026 has advertised fix-and-flip / bridge rates as low as 7.75% on qualified files. That is a starting teaser, not an average close. Your term sheet still prices leverage, experience, asset, and hold.
Are Kiavi rates lower than Jaken Finance Group?
Sometimes on a clean, low-leverage, high-experience SFR. Jaken Finance Group publishes 8.99%–13.5% interest-only. Compare all-in cost — points, minimum interest, extension, and close speed — not the homepage floor.
Do Kiavi rates include points?
Usually not. Origination points sit on top of the coupon. A 7.75% headline with 2 points can cost more than a 10.5% quote with 0.5 points on a short hold.
Should I apply to Kiavi or Jaken Finance Group?
Apply to both if the contract clock allows. Use Kiavi when you want a national platform quote. Use Jaken Finance Group when you need 7–10 business day focus-market underwriting and a documented local comp story.
Get a term sheet on your address
Pre-qualify with Jaken Finance Group or call (833) 264-7776. Bring the same package you would send Kiavi.
Further reading: fix and flip loan rates · points and fees · best fix and flip lenders.
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Kiavi is a separate company; starting rates cited here are from Kiavi public marketing and are not a Kiavi or Jaken Finance Group quote. Jaken Finance Group only finances non-owner occupied investment properties.
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Jaken Finance Group, 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196