KiaviReviews of kiavi.com

One of the most inefficient lending teams I have ever encountered. Matt, Kevin, and especially Christ-y cannot seem to get their act together. No matter how many voicemails I leave for her, I never receive a call back. The settlement documents were not provided until I arrived at the title company to sign. That was when I discovered they had included a “buydown point fee.” Who in their right mind would buy down the interest rate on a hard-money loan? When I tried to contact the team, Kevin was on vacation, Christ-y was of course unreachable, and customer service appeared to be operated entirely by AI. Now, they cannot fund the loan, preventing me from closing on the property. This was my first and last time working with Kiavi. Fellow investors, beware. Look into other options, such as Capital Fund 1 or Frank West Capital. My experiences with them have been much smoother—they are professional, responsive, and actually reachable.

Kiava is a nightmare to deal with. They delayed my settlement 3 times. The loan processor didn't know what he was doing. He kept asking for docs that were sent a week prior. The delay caused friction with the seller. I'm not using Kiavi again. Be aware that they don't honor their closing date. Furthermore, they will have you working with several people at once and none of them are on the same page half the time.

I'm simply going to add the final email of the string and it pretty much explains their lack of common sense, customer service, or anything resembling a desire to help their clients. They chose not to take their fee out of the funds they had that were due to me even though the amounts were almost identical. They required me to submit the fee in full, for them to send me nearly the exact amount. Their excuse? the amount will change depending on when its paid. Apparently this finance company was stumped by making that determination of the interest due on the day I authorized the funds to go to that fee. Not a great thing to hear from a company who's whole existence is about calculating interest. ""So you and Kiavi are happy to see this thing fall apart over a $2400 extension fee while you hold $2500 of the hold back funds, which are technically mine already, because of your own technicality and your inability to think rationally. Ok then. Trust Pilot, CFPB, and NMLS will be copied on this email string. Maybe you are technically within your rights, but it's both terrible customer service and wasteful spending, not to mention stupid and I would venture to say cruel. So what happens when you don't get your extension fees by the 20th? I would tell you how I thought the draw would be here by now and enable me to pay the extension fee, but you don't care. I must tell you this treatment borders on abusive and makes me wonder if it's not being done for some other purpose? That is a decision I will leave to the regulatory bodies and the general public. So, I will withdraw my request for an extension and pay the default interest until the property is sold. I will be sending it via US mail daily, Sorry, that's my policy. Thankfully, as you have already mentioned, it means we will not be working together in the future. But, why should I give you a cent more than I have to legally, when you are clearly incapable of rational thought or any level of customer service. It doesn't matter how nicely you tell me to consume human excrement, it all means the same thing. Oh, I also expect my draw to be sent to me immediately as I will be paying interest on it everyday. You really should consider being more like a human being and less like a machine. Your with all due respect, which is no longer much,

As an appraiser, I will never work for them again. Both times were revision after revision on nit picking stuff - a Dollar General a mile down th eroad, etc. Both appraisals took over a month. Never agin!

Your team entirely fumbled the project for 417 Greenway Ln. My account manager (Julia) is always on top of things but went on vacation and the team replacing her did not do what they needed to do. The closing date kept approaching and I wasn't seeing a lot of movement. I thought my terms were already approved, given the proximity to the closing date and the time that had gone by. Then, Julia came back and things finally started to move when I pressed for answers, only to find that the appraisal of the property's ARV was much lower than what I have, which created unacceptable terms. I have checked the ARV with other investors & contractors and all agree that the ARV should be in the mid $500s. When I inquired the reasons for such a low valuation, the excuses I heard were all ridiculous. Your team decided that the property is only and will only be 910 SqFt. It is already 1550 SqFt and will remain at 1550 after rehab. They said they are only going to consider 2 bedrooms when rehab is done, when we will take it to 4 bedrooms (2 in the basement) with conforming egress. They said rooms in a basement are lower grade. Only an ignorant person can say that. Even after explaining all this to them, they are stuck with their totally wrong ideas about the property. Clearly, your people appraising are only seating behind a desk, getting wrong info from the internet and not checking things with reality. I am going to miss my closing date and now I have to fight to see if my seller will allow an amendment to extend the closing date. Otherwise, my contract will be terminated and I will lose my earnest money, which you people will have to reimburse to me, of course. I submitted this project on April 27. It took your team until May 12 to finally do anything with my project, and the valuation is ridiculous and doesn't hold the slightest scrutiny. The incompetence & negligence of the people doing the valuation is mind boggling. I still don't know what the outcome of this will be, because your resolution is taking a very long time, but this is a terrible experience already, no matter what the outcome. I still expect a positive answer, though. The worst part is that my experience with Kiavi had been great until now. This score is for this one project. For my previous projects, I would review them with a 5, but this one has been very frustrating and it's been like trying to reason with a rock when it comes to their appraisers.

As a real estate investor with over 15 years of experience, I understand that every lender has its own underwriting guidelines, risk tolerance, and internal processes. I’ve completed many transactions over the years, including flips, rehabs, long-term rentals, and DSCR financing. I’m sharing this review to help other investors make informed decisions based on my experience. Unfortunately, my experience with Kiavi was very disappointing. I submitted two deals, and only one was able to close after significant delays and constant intervention on my end. The second loan that was ultimately declined involved a fully renovated income-producing property already leased at $3,960 per month. The reason given was that the appraisal comps were considered too far from the subject property. While I understand appraisal guidelines and lender requirements, this decision felt disconnected from the actual market conditions in that area. For context, I own 7 rental properties in that immediate market, and over 30 additional rental properties within roughly a 45-mile radius, many financed through DSCR loan programs. This is not my first time working with investment lending, which made this outcome even more difficult to understand. The larger concern, however, was the overall process: * Closing dates were changed 4 times * The funded deal was delayed approximately 20 days * The underwriting team repeatedly requested documents that had already been submitted * Communication felt highly disorganized, as though prior emails and attachments were not being properly reviewed * At one point, the wrong title company was copied into the transaction communications * I had to personally step in multiple times to coordinate between title, insurance, and the lending team just to keep the process moving I want to be fair: I cannot say with certainty whether this reflects Kiavi as a company overall or simply the specific team assigned to my files. However, as a borrower, the experience left me feeling like my business was not a priority. I do not leave negative reviews lightly, especially after decades in real estate. My intention is not to criticize unfairly, but to provide honest feedback so other investors know what they may potentially encounter.

poor service

I cannot in good conscience recommend Kiavi as a lender to anyone. My experience with them was very disappointing. I regret that I selected them as my lender. I am astounded that their Trust Pilot score is as high as it is.