KiaviReviews of kiavi.com

I was banned from doing business with Kiavi because I added my son to my LLC . I was called "nefarious". Nobody will read this or care. I have paid off over 5M in loans to Kiavi over the past few years...

Terrible. You claim to help investors instead you screw them

Horrible - Funding times never on time - Rude internal staff - Zero accountability - Communication is horrible - No urgency - Stay away from this investor

Extremely bad experience. If you have a purchase contract for 45 days or more, you MAY be safe. Kiavi is known for not meeting deadlines and having a complete disregard for borrowers. Wish this was not the case but the reviews here and on other sites/boards echo these same statements. I have found other hard $ lenders that are eager to earn business and/or more upfront if they feel they cannot meet a purchase deadline BEFORE application. Aka not over promise and then not deliver, which Kiavi does fantastically. I am always happy to share these other lenders I have had success with. Best of luck!

If I could give zero stars I would, hello good afternoon I recently applied for and went through the process of refinancing my investment property with Kiavi, after weeks of going back and fourth they are not going to give you the terms that they originally quoted you for it's all a tactic to get you going through the process and then will use bogus appraisal management firms that are not Licsensed appraisers to intentionally come in with a lower property value to change your loan terms and leverage amount in which that means you will be charged higher interest and fees it's all apart of there business model so I advise anyone to not waste your time and money dealing with them and to just go with your local lender who will know your real estate market.

As a broker, this is the worst experience with a lender I've ever had! We brought 9 files of which they closed 1 and dragged their feet on every file trying to allow the rate lock to expire. They constantly changed the requirements/conditions for each file with the goal of not closing ANY OF THEM. Stay away from this lender to save yourself the frustration!!!!

Dont waist your time. They bait and switch you the entire way. They make you pay for expensive appraisals, the appraisals are rigged and low balled never fails. They lie and tell you they send it to a system that picks random appraisers-(flat out lie)- I know for a fact as I have done multiple or better said lost multiple deals with these scumbags and they never come in at market value. The person they send out to the properties is never an appraiser it's just a "Photographer" thats the line, the appraiser is supposedly some guy using data and comps that are completely inaccurate only accurate to low ball all properties by like 20% on average (you will see) then by the time you want to argue the valuation your rate lock is expiring and they dont have the appraisal review on time and when it comes back its either the same, less or 10 to 20 k more just to give you some string while they hit you for 100 to 200 k of your property value and you have to close or your rate lock will expire. They do this because they are banking the loans., They sell them so they make the loans less leveraged so they can charge the MBS buyer more and make a killing thats why they charge so little for themselves because they hit you in the back end through their entire rigged system all under hiding with the veil of "Private Hard Money Lenders" which as I researched its really institutionally owned LLC's purchasing the debt. Circumventing Financial Mortgage Regulations hence the rigged appraisals. By the way they also change rates and LTV's based on their "appraisers" market rent opinion which of course the appraiser can find the cheapest rents ever seen in the market and conveniently you can't see them or find them. They also make sure you have your client purchase insurance before closing it "Has to be binded" another wonderful tactic to make you take it in the yang because at the last minute when they hit you with all the changes guess what?... you have appraiser paid, insurance paid, and Title expensed already incurred. These people are what these sad bankers have resorted to, but in the long run although I hate it and it stinks, I'm glad because I know they are bottom feeding because Technology has betrayed them and leaving them for dead with the rest of us. So do not worry they are EXCREMENTING (can't use offensive language) on themselves as well and nothing gives me greater pleasure to know they are going to have to eat _ick just as good as they gave it. REVENGE is a dish best served cold! Justice! :)

Be very careful relying on Kiavi if you are looking to fund your next real estate purchase. I have been a full time real estate investor for 25+ years and I buy about 3-4 houses a month for CASH. I set up and was approved with Kiavi for a $3,000,000 line of credit. I got set up in their system and was approved to buy a property closing on 7/19//2022. The home I was buying set up a chain of 3 real estate transactions so if this one didn't close many families would be negatively affected. A few days before the closing we kept getting odd responses that they needed this or they needed that in order to close on 7/19/2022. All items they requested where sent to them again but then they came up with other random things they said they were missing (lies) After doing some investigating and talking with people at Kiavi I come find out they ran out of money and couldn't fund the loan until 7/25/2022. Funding on this later date obviously didn't work due to the line of people relying on me to close on this loan on time. I made arrangements and closed the property with CASH. The worst part about all of this is their lying and deception through the process. Instead of lying about the loan conditions needing to be met they could have just told me they ran out of funds. Instead, they left at the closing table with no funds to close. Hey Kiavi don't tell someone they have a $3,000,000 line of credit and not have the money to fund it.... That does not help anyone and is a bad way to do business