Kiavi Reviews 

This app caught my eye. I was so excited and thinking that I had a chance at funding. I was very disappointed to know that I was not approved. I think items a wonderful app still just wish I knew more why I wasn't approved. Thanks for all the people you all help!!!

I've worked with a lot of people across every corner of my real estate business, and Kristin Chang at Kiavi is simply the best. She is the most efficient, dialed-in, and on-top-of-it lender I've ever dealt with—nothing slips through the cracks, questions get answered fast, and deals move exactly the way they should. She's the standard I hold everyone I do business with to. Professional, sharp, and completely reliable. Because of her, I plan to keep working with Kiavi for years to come. If you want a lender who actually makes your deals easier, ask for Kristin.

Nilobjo, was a pleasure to work with, and very knowledgable about his industry. I was fortunate to have met him, and look forward to doing more business with him in the near future.

I usually don’t do reviews, but I’ll do a review for this one. So far I’ve been using loans with Kiavi for multiple properties. The system is intuitive easier to follow and the team is responsive. Big shout out for my recent cashback refi loan that I recently did, shout out to Haley Deffenbaugh & Kellie Rossi. they made my cashback refi, quick fast and easy. They were very responsive in the updated me throughout the process. I was on a time crunch and they made it happen. Good job Kiavi Team.

Im a first time investor and Clay and his team made this happen way faster than I expected!
Excellent response times and helped me figure out the new guy speed bumps, very happy with them, I will be refering family and using them for future investments

Everything went exactly as discussed. Full transparency and the process was very easy.

Alex was amazing to work with throughout the entire process. She went above and beyond to make sure everything stayed on track and was always quick to answer my questions. Her communication was excellent, she was professional, knowledgeable, and genuinely cared about providing a great experience. I truly appreciate all of her hard work and support. Working with Alex and the Kiavi team made the process smooth, and I look forward to working with Kiavi again on future deals!

I've been working with clay johnson for the past year and half, we have closed three deals with him and his team valued at 1 million they've been great very informative and communicative when things arise in order to push the deals to the finish line i will continue to work with clay and kiavi.

Payton Cruz with Kiavi is an invaluable funding source for acquisitions/rehabs in my real estate portfolio. Excellent response times and updates/progress. I consider both him and Kiavi partners in my success

Started off a refinance well, with good engagement and taking time to discuss the various options and tradeoffs.
Unfortunately there were long delays through the appraisal process that cost us a lot of money and Kiavi took zero responsibility for its 3rd party contractors performance.
The well known real estate concept ‘time is of the essence’ was not followed and hurt our business.

Working with Kiavi has been an outstanding experience from start to finish. Their process was fast, professional, and incredibly investor-friendly. Communication was clear throughout every stage, and their team moved quickly to help close deals on time without unnecessary complications.
As a real estate investor, having a reliable lending partner makes a huge difference, and Kiavi consistently delivered with competitive terms, smooth underwriting, and excellent customer service. They truly understand the needs of investors and made the entire funding process efficient and stress-free. Highly recommend Kiavi to anyone looking for a dependable hard money and investment property lender.

Excellent experience as usual James Davis does an amazing job. Thanks to the whole team

Was our first time going through this process. It went pretty smoothly. Sam was great at responding quickly to and was readily available to answer questions. Great experience!

Have closed over 15 loan with them in the last 2 years. María Barnes is great in knows what she does. It is really a blessing having them on your side to scale. Great experience.

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.

During our loan process everyone was very helpful, friendly, knowledgeable and efficient. Communication was easy and responsive whether it was e-mail, phone or text. Looking forward to working together again!

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.

Clay and Stephanie were AMAZING. Both extremely knowledgeable and professional. Any email question I sent was answered saying that your first thing next morning. Great customer service. I will recommend to all my friends.

Customer service is fantastic!