San Diego · Rank #2
Kiavi: San Diego Lender Review (2026)
Tech-driven DSCR and fix-and-flip lender with fast closings but premium pricing.
Rate range
7.50% – 11.50%
Loan types
DSCR · Fix-and-Flip
Eligibility
Direct-to-borrower (not broker-only). Best for experienced investors with clean credit and standard asset types. Less flexible on coastal value-add and creative structures.
Pros
- Fast online application and underwriting
- National footprint with consistent San Diego execution
- Solid choice for vanilla SFR DSCR files
Cons
- Rate stack consistently 75–150 bps above KREC for the same file
- Slower rehab draws than local shops
- Will not entertain sub-to, wraps, or seller carrybacks
Verdict
Reliable backup option for straight-down-the-middle DSCR and flip files. For aggressive pricing or any creative structure, KREC wins.