Comparing Mortava and Kiavi for your next investment property loan? The short version: Kiavi is a fully digital, nationwide platform, while Mortava leads with an AI-first experience — instant quotes (no hard credit pull), automated VeriQual qualification, and indicative term sheets in about two hours — across DSCR, fix & flip, and bridge.
Mortava
Kiavi
Known for
AI-driven speed — VeriQual qualification + the Vesty assistant
A fully digital, nationwide platform
Core programs
DSCR, Fix & Flip, Bridge, New Construction, Multifamily
Fix & Flip, DSCR, Bridge, Construction
Instant online quote, no hard credit pull
Yes — see indicative rates instantly
Varies — confirm directly
AI qualification + 24/7 assistant
Yes (VeriQual + Vesty)
Not advertised
Indicative term sheets
In about 2 hours
Varies — confirm directly
Max fix & flip leverage
Up to 95% LTC + 100% of rehab
Confirm directly
DSCR max LTV
Up to 85% LTV, no tax returns
Confirm directly
Closing speed
As few as 7–10 days
Varies — confirm directly
Kiavi details reflect publicly available positioning as of 2026 and are not Mortava figures — confirm current programs, rates, and terms directly with Kiavi. Mortava terms are indicative and not a commitment to lend.
Where Mortava stands out
Kiavi is a tech-forward, nationwide lender recognized for a fully digital application and fast, scaled closings. Mortava's edge is speed and self-service: see real indicative numbers in seconds with no hard credit pull, let VeriQual structure the loan against live guidelines, and get a signable indicative term sheet in about two hours — with the Vesty AI assistant answering eligibility questions 24/7.
On leverage, Mortava funds fix & flip up to 95% of cost plus 100% of the rehab, and DSCR up to 85% LTV with no tax returns — closing in as few as 7–10 days.
Compare for yourself in seconds
Get a live, indicative Mortava term sheet — soft inquiry only, no hard credit pull — and stack it against any other quote.
Mortava pairs investor loan programs (DSCR, fix & flip, bridge) with an AI-first experience: instant quotes with no hard credit pull, VeriQual automated qualification, the Vesty AI assistant, and indicative term sheets in about two hours. Kiavi is a fully digital, nationwide platform. Many investors get quotes from both and compare the actual terms.
Does Mortava offer instant quotes?
Yes. You can see indicative rates and leverage instantly on mortava.com using a soft inquiry only — no hard credit pull — then pre-qualify online for a live term sheet.
What loan programs does Mortava offer?
DSCR rental loans (up to 85% LTV, no tax returns), fix & flip (up to 95% LTC + 100% of rehab), and bridge loans (up to 80% LTV, no prepayment penalty), plus new construction and small multifamily.
Is Mortava available in my state?
Mortava lends to investors nationwide. See state-specific DSCR and fix & flip pages for your market's metros and details.
A member of the Mortava team will reach out shortly. Need us sooner? Call Jay Beach at (949) 407-9713.
Vesty
Business Intelligence · grounded in Mortava's live guidelines
I'm Vesty — built for investors who don't wait on slow lenders or broken processes. Faster capital. Cleaner closings. Smarter deals. Ask me anything about DSCR, Fix & Flip, Bridge, or 5–9 unit financing — I can also take you to the right page or walk you through pre-qualifying.