Speed, Certainty,
and a Second Deal:
What Kiavi Built for Brokers
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Brokers are the engine of private lending, and in a tighter market they are working harder for every deal. Charles Goodwin, Kiavi’s VP and Head of Bridge and DSCR Lending, has watched the market grow fast and turn fiercely competitive. By his read, private lending activity has roughly doubled since 2022 and 2023 and now accounts for about a third of residential real estate investor purchases. Whoever moves fastest tends to win, and Kiavi has spent more than a decade building AI-powered technology to make that speed possible. Goodwin says the investment shows up on every deal.
“In Kiavi’s platform, you price the deal yourself and see the terms right away, with your own economics built in. You can hand a borrower a number while a traditional lender is still checking voicemail.”
Charles Goodwin
VP, Head of Bridge and DSCR Lending
Price a Deal in Real Time
On Kiavi’s platform, a broker prices a deal and sees the terms immediately, with their own economics built in. “You can hand a borrower a number while a traditional lender is still checking voicemail,” Goodwin says. Because the pricing lives in the platform, a broker can run a deal at any hour, nights or weekends, without waiting for an account executive to be back at a desk. When a borrower is shopping the same deal to several brokers, the one who comes back first with real terms is usually the one who wins it. For the borrower, the speed becomes confidence: they can make an offer knowing the financing is real, instead of waiting days to learn whether a lender will commit.
Underwriting That Reads the Deal
Kiavi underwrites on its own data and valuation technology, giving a broker a fast read on what a property is likely to be worth once the work is done, and whether a borrower may be overpaying. The read is grounded in local market data, because a block in one city may not behave like a block in another. Catching a stretched price early helps to protect the borrower from a deal that might not hold up and also helps to protect the broker’s standing with the lender.
It also helps to head off the repricings and surprises that tend to surface right before closing, when they hurt most. Kiavi puts that technology in a broker’s hands, too: its free ARV and Cash to Close Estimator lets you enter an address, purchase price, and rehab scope and see an estimated after-repair value, cash to close, and comparable sales, so you can size up a fix-and-flip deal before you ever submit it.
Technology should never replace the broker. It should make you faster, sharper, and more valuable to your borrowers. That is what we built Kiavi to do."
Charles Goodwin
VP, Head of Bridge and DSCR Lending
One Dashboard, Not a Chain of Emails
Once a deal is live, every document it needs—title work, insurance, the borrower’s scope of work—goes into a single dashboard that flows straight into underwriting, rather than living in a chain of emails and folders on someone’s back end. A broker uploads once, so there is less to chase, less that could slip through the cracks, and fewer last-minute document requests that might stall a closing.
One Relationship, More Deals
Placing different loan types with different lenders costs brokers time. Kiavi funds bridge and fix-and-flip loans for the purchase-and-renovation stage, DSCR rental loans for buy-and-hold strategies, and new construction financing for ground-up projects, so more of a broker’s book can live in one relationship.
It also means the deal does not have to end at the first close. Plenty of real estate investors are buying to hold, not to flip, and Kiavi can help brokers carry that borrower from a bridge purchase-and-rehab loan straight into a DSCR rental refinance, the strategy known as BRRRR, without sending them elsewhere to start over. For the broker, that is a second deal on the same relationship, and a reason the borrower comes back rather than shops around.
People Behind the Platform
Technology is only half of it. When a deal needs a person, a broker gets one: a team that knows how they work and a clear path to answers when something is complicated or time-sensitive. The Kiavi platform handles the repetitive work so those conversations can be about the deal rather than a status update. “Technology should never replace the broker,” Goodwin says. “It should make you faster, sharper, and more valuable to your borrowers.”
Built to Scale
Behind the platform is one of the nation’s largest non-bank lenders to real estate investors, with more than $30 billion funded and institutional capital that keeps terms consistent through market cycles. Concentrating volume with Kiavi turns that scale into reliability: the deal priced in the morning is the deal that closes. That consistency lets a broker make promises they can keep, and when terms hold from quote to close, the broker looks dependable to the borrower. It helps explain why most of the real estate investors the company funded in the first half of 2026, around 60%, had borrowed before.
The Bottom Line
Goodwin comes back to one point: the technology exists to make brokers better at the job, not to do it for them. A broker who can price a deal on the spot, flag a bad buy early, move a file quickly, and take a borrower from a bridge loan into a refinance is worth more to every client. “The market may stay tight for a while,” Goodwin says, “but the brokers who pair their own relationships with the right technology will keep winning more.” Price a deal or see how the platform works at kiavi.com/broker.
With more than $30 billion in funded loans, Kiavi was ranked #1 overall private lender by Scotsman Guide. Kiavi uses data and technology to give investors a simpler, more reliable, and faster way to access capital and scale their businesses. Founded in 2013 and backed by leading fintech investors, Kiavi is focused on helping revitalize America’s aging housing stock into move-in ready homes and rental housing.
