Does Kiavi verify income or require tax returns?
Not on bridge (fix-and-flip) loans — Kiavi requires no W-2s, pay stubs, or tax returns, and there's no debt-to-income calculation. Qualification rests on your credit score, real estate experience, and the deal's numbers. On DSCR rental loans, the property's own rent qualifies the loan: Kiavi checks that rental income covers the mortgage payment (the debt-service-coverage ratio) instead of checking your personal income. This is the core reason self-employed investors and full-time flippers use lenders like Kiavi rather than conventional banks.
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More Kiavi answers
- Is Kiavi legit?
- What is Kiavi's minimum loan amount?
- What credit score do you need for a Kiavi loan?
- What is Kiavi's phone number and how do I reach customer service?
- How do I submit a Kiavi payoff request?
- What states does Kiavi lend in?
- Who owns Kiavi, and is it the same company as LendingHome?
- How does the $350 Kiavi new-customer bonus work?
- How fast does Kiavi close a loan?
- What is Kiavi's ARV estimator?
- Does Kiavi work with brokers?
- Do Kiavi loans have prepayment penalties?
Or go deeper: full Kiavi review · current rates · requirements · deal calculator.