Unlock Freedom.

Flexible, creative lending to help you scale.

Work with a human being – not a robot.

Loan Products

Comprehensive financing solutions tailored to your real estate investment strategy

Fix & Flip

Up to 100% leverage. Competitive terms and fast closings.

Single Property Rental

Rock-bottom rates, flexible terms. Easy processes to scale your portfolio.

New Construction

High leverage, competitive rates & easy draws – even for first timers.

Rental Portfolio

Stabilized term, value add, ground up – we've got you covered.

Bridge

Quick, temporary financing to get you to the next step.

Multi-Family / Commercial

Creative financing for experienced investors in all asset types.

2nd Position Cash-out

Keep your current low-rate mortgage in place and liquidate some equity.

Conventional | Primary Loans

Get the best rate on the purchase or refinance of your primary residence.

0% Interest Business Funding

Good credit, but short on capital? We can help you there.

Why Choose Key

Low rates, good communication and follow-through. We're here for the long-haul.

Creative Solutions

Flexible underwriting to get your deals across the finish line.

Compassionate Lending

Work with a capital partner who wants to see you win.

Competitive Terms

Make the most out of your investments.

Streamlined Process

We take the headache and hassle out of the equation.

Dedicated Support

Leverage our team of experts to make your life easier.

Fast Closing

In as little as 3 days – we'll get it done.

Client Testimonials

From first-time investors to seasoned vets, we take care of our people.

"I've had an excellent experience working with Keyswag Lending. From start to finish, their team was responsive, knowledgeable, and incredibly supportive throughout the entire process. They made what could have been a stressful transaction feel seamless and efficient. I appreciated how transparent they were with every step, and their turnaround time exceeded my expectations. I highly recommend Keyswag Lending to anyone looking for a reliable and trustworthy lending partner!"

Daniel Kim
Property Investor

"Even though we didn't end up closing this particular deal, I truly appreciated working with Michelle. She was fast, responsive, and highly professional throughout the entire process. Her communication was clear, consistent, and respectful — which made a big difference. I also understand that many of the requirements and decisions come from higher up, and she handled those situations with grace while still advocating on my behalf. Michelle gets things done quickly and efficiently, and I absolutely respect that level of execution. Would definitely work with her again on future deals. Thank you, Michelle!"

Catricia Roberson
Real Estate Investor

"Had a phenomenal experience working with Keyswag Lending. Lindsay was incredibly supportive, communicative, and truly understood my needs — helping me close six properties in under 60 days. She worked around the clock to make it happen and made the process feel seamless. Contrary to what many believe, underwriting doesn't have to take 30 days. With your documents in order, it can be done in just a few days — and that was exactly my experience. Their DSCR products are the best in the market for rental property investors. Highly recommend Keyswag to both new and experienced investors looking for reliable, fast, and professional service."

Kam
Real Estate Investor

Where We Lend

Personal Service. Nationwide Reach.

48
States Covered
2
Not Available
96%
Coverage
24/7
Support
AKHIALARAZCACOCTDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWIWVWYDCDC
Available (48 states)
Not Available (ND, SD)
Headquarters
* Not available in North Dakota and South Dakota

Calculate Your Loan

Get an instant estimate of your monthly payments and total costs with our interactive loan calculator

Loan Rate Calculator

Property Information

Rates vary per state and property type. Supported hard money options are available in the dropdowns below.

Loan Information

Used to help determine the rate. Provide more details about how the loan will be used and the amount of money that will be put down.

Borrower Information

Used to help determine the rate.

Generate Loan Estimate

To secure your rate, please provide the following information:

*This calculator provides estimates only. Actual rates and terms may vary.

Why Use Our Calculator?

Instant Results

Get real-time calculations as you adjust your loan parameters

Accurate Estimates

Based on current market rates and our actual loan programs

Multiple Loan Types

Calculate payments for all our loan products in one place

Smart Defaults

Pre-filled with typical values for each loan type

Ready to Apply?

Our loan officers are ready to help you get pre-qualified and find the perfect financing solution for your real estate investment.

Quick 7-14 day closings
Competitive rates starting at 6.5%
Loans up to $20M available
No application fees
Pre-qualification in 24 hours
48 states covered

Ready to build together?

Let's discuss your next project.

You've got questions – we've got answers.

Get answers to common questions about our loan programs and application process.

Ready to go?

We're here to help.

Insights and Tips for Homebuyers

Stay informed with our latest market insights and investment strategies

2024 Real Estate Market Outlook
March 15, 2024Market Analysis

2024 Real Estate Market Outlook

Key trends and opportunities for real estate investors in the coming year.

Fix-and-Flip Success Strategies
March 10, 2024Investment Strategies

Fix-and-Flip Success Strategies

Essential tips for maximizing returns on your renovation projects.

Portfolio Diversification Guide
March 5, 2024Investment Strategies

Portfolio Diversification Guide

How to build a balanced real estate investment portfolio.

Ready to Get Started?

Our team is here to help you find the perfect financing solution for your real estate investment goals.

Call Us

Speak directly with our loan specialists

Email Us

Send us your questions or loan requirements

Visit Our Office

Key Real Estate Capital

401 W A St Ste 200, San Diego, CA 92101

Service Hours

24/7 Service | Monday - Sunday

NMLS ID

#2676974

Ready to discuss your financing needs?