What credit score do you need for a Kiavi loan?
Kiavi generally requires a minimum FICO score of about 660 for its bridge and DSCR rental loans. Unlike conventional lenders, that score is mostly a gate, not the main pricing driver — your real estate experience (number of exits in the last 24 months), the deal's leverage, and the property itself matter more. Kiavi does not require W-2s, tax returns, or income verification on bridge loans, which is why investors with strong deals but complicated personal income choose hard money in the first place.
New to Kiavi? Get $350 cash after your first loan closes — applied automatically through our partner link.
Claim the $350 Bonus
More Kiavi answers
- Is Kiavi legit?
- What is Kiavi's minimum loan amount?
- 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?
- Does Kiavi verify income or require tax returns?
- 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.