# Key Real Estate Capital - Complete Documentation > Key Real Estate Capital is a nationwide private real estate lender providing hard money loans, DSCR loans, bridge loans, construction loans, and commercial financing for real estate investors. Based in San Diego, California, we serve investors across 48 states with fast, flexible financing solutions. ## Company Profile **Company Name:** Key Real Estate Capital **Industry:** Private Real Estate Lending / Hard Money Lending **Founded:** San Diego, California **Service Area:** 48 U.S. States **Phone:** 619-369-4444 **Email:** info@keyrealestatecapital.com **Website:** https://www.keyrealestatecapital.com ### Mission Statement To empower real estate investors with fast, flexible financing solutions that help them seize opportunities and grow their businesses. ### Company Statistics - Total Loans Funded: $500+ Million - Clients Served: 1,000+ - States Covered: 48 - Average Closing Time: 7-14 Days --- ## Loan Products - Detailed Information ### 1. Fix and Flip Loans **Purpose:** Short-term financing for purchasing distressed properties, renovating them, and selling for profit. **Loan Parameters:** - Loan Amount: $75,000 - $3,000,000 - Loan-to-Purchase: Up to 90% - Renovation Funding: Up to 100% - Loan-to-ARV: Up to 75% - Interest Rates: Starting at 9.99% - Terms: 6-18 months - Closing Speed: As fast as 7 days **Ideal Borrowers:** - House flippers with active projects - Investors buying foreclosures or distressed properties - Wholesalers converting to full flips - First-time flippers with solid exit strategy **Key Benefits:** - Fast funding to win competitive deals - Finance both purchase and renovation - Interest-only payments during project - No prepayment penalties (varies by loan) --- ### 2. DSCR Rental Loans (Single Property) **Purpose:** Long-term financing for rental properties where qualification is based on property cash flow rather than personal income. **Loan Parameters:** - Loan Amount: $75,000 - $2,000,000 - Loan-to-Value: Up to 80% - DSCR Requirement: 1.0+ (ratio of rent to mortgage payment) - Interest Rates: Competitive market rates - Terms: 30-year fixed or adjustable - Property Types: Single-family, 2-4 units, condos, townhomes **Ideal Borrowers:** - Self-employed investors - Investors with complex tax situations - Portfolio builders scaling quickly - Investors who don't want to document personal income **Key Benefits:** - No W-2s or tax returns required - No limit on number of properties - Close in LLC for asset protection - Qualify on rental income alone --- ### 3. DSCR Portfolio Loans **Purpose:** Blanket financing for multiple rental properties under a single loan. **Loan Parameters:** - Loan Amount: $500,000 - $5,000,000+ - Minimum Properties: 5+ - Loan-to-Value: Up to 75% - DSCR Requirement: 1.0+ (portfolio average) - Terms: 30-year fixed or adjustable **Ideal Borrowers:** - Landlords with 5+ rental properties - Investors consolidating multiple loans - Portfolio buyers acquiring packages - Investors seeking operational simplicity **Key Benefits:** - Single payment for entire portfolio - Cross-collateralization benefits - Simplified management - Potential for better terms at scale --- ### 4. Bridge Loans **Purpose:** Short-term financing to bridge gaps in transactions or secure properties quickly before permanent financing. **Loan Parameters:** - Loan Amount: $100,000 - $5,000,000 - Loan-to-Value: Up to 80% - Interest Rates: Starting at 9.99% - Terms: 6-24 months - Closing Speed: As fast as 10 days **Use Cases:** - Buy before selling existing property - Acquire property quickly, refinance later - Stabilize property before permanent financing - Purchase at auction requiring fast close **Key Benefits:** - Speed of execution - Flexible underwriting - Various exit strategies accepted - Interest-only payments --- ### 5. New Construction Loans **Purpose:** Financing for ground-up construction of residential properties. **Loan Parameters:** - Loan Amount: $150,000 - $10,000,000 - Loan-to-Cost: Up to 80% - Loan-to-Value: Up to 70% of completed value - Terms: 12-24 months - Draw Schedule: Progressive draws based on construction milestones **Project Types:** - Single-family spec homes - Multi-family development (2-4 units) - Townhome projects - Luxury custom builds **Requirements:** - Approved plans and permits - General contractor with track record - Construction budget and timeline - Land acquisition or ownership **Key Benefits:** - Finance land and construction - Interest on funds drawn only - Experienced construction lending team - Convert to permanent financing upon completion --- ### 6. Commercial Real Estate Loans **Purpose:** Financing for income-producing commercial and multi-family properties. **Loan Parameters:** - Loan Amount: $500,000 - $20,000,000 - Loan-to-Value: Up to 75% - DSCR Requirement: 1.25+ - Terms: Varies by property type **Property Types:** - Multi-family (5+ units) - Mixed-use buildings - Retail centers - Office buildings - Industrial/warehouse - Self-storage facilities **Key Benefits:** - Flexible underwriting for various property types - Bridge and permanent options - Portfolio financing available - Experienced commercial lending team --- ## Underwriting Process ### Application Steps 1. **Initial Consultation** - Discuss deal and loan needs 2. **Application Submission** - Complete loan application 3. **Document Collection** - Provide required documentation 4. **Underwriting Review** - Deal analysis and approval 5. **Appraisal/Inspection** - Property valuation 6. **Closing** - Sign documents and fund loan ### Common Documentation Required - Loan application - Property purchase contract - Scope of work (for renovation loans) - Entity documents (if borrowing in LLC) - Personal identification - Bank statements (for reserves) - Credit authorization ### Approval Factors - Property value and condition - Borrower experience (helpful but not required) - Exit strategy viability - Credit history (minimum varies by program) - Cash reserves --- ## Investment Opportunities ### Private Credit Investment Program For accredited investors seeking passive income backed by real estate. **Investment Terms:** - Target Return: 12% fixed annually - Security: First-lien positions on real estate - Investment: Diversified across loan portfolio - Minimum Investment: Varies **Key Features:** - Asset-backed security - Regular interest payments - Professional management - Transparent reporting **Eligible Investors:** - Accredited individuals - Self-directed IRA/401(k) accounts - Family offices - Institutional investors --- ## Educational Resources ### Blog Topics Covered - Fix and flip strategies and financing - DSCR loan qualification and benefits - Hard money vs conventional loans - BRRRR investment strategy - Section 8 rental investing - Private credit and private lending - Real estate market analysis - Tax benefits for real estate investors - Finding off-market deals - Cash flow analysis for rentals --- ## Geographic Coverage ### States Served (48 States) Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming ### Headquarters San Diego, California --- ## Frequently Asked Questions ### General Questions **Q: What is a hard money loan?** A: A hard money loan is a short-term, asset-based loan primarily secured by real estate. Unlike traditional bank loans that heavily weigh personal creditworthiness, hard money lenders focus on the property's value and the borrower's exit strategy. These loans are ideal for fix-and-flip projects, bridge financing, and situations requiring fast closing. **Q: What is a DSCR loan?** A: DSCR stands for Debt Service Coverage Ratio. A DSCR loan qualifies borrowers based on the property's rental income rather than personal income. The ratio compares the property's gross rental income to its total debt obligations (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 means rent equals the payment; higher ratios indicate stronger cash flow. **Q: How is Key Real Estate Capital different from a bank?** A: We offer faster closings (7-14 days vs 45-60 days), more flexible underwriting, and focus on the deal rather than extensive personal documentation. We specialize in investment properties and understand investor needs that traditional banks often don't serve well. ### Loan-Specific Questions **Q: What credit score do I need for a fix and flip loan?** A: Minimum credit scores typically start at 620-660, depending on the deal strength. We focus primarily on the property, your exit strategy, and experience level. Strong deals with solid equity can sometimes offset lower credit scores. **Q: Can I qualify for a DSCR loan as a self-employed borrower?** A: Yes! DSCR loans are ideal for self-employed borrowers because qualification is based on property cash flow, not personal income. No W-2s, tax returns, or employment verification required. **Q: Do you lend to first-time investors?** A: Yes, we work with first-time investors. While experience is helpful, it's not required. We evaluate each deal on its merits and can provide guidance to newer investors. **Q: Can I borrow in an LLC?** A: Yes, we commonly lend to LLCs, corporations, and other business entities. This is standard practice and helps protect your personal assets. ### Process Questions **Q: How quickly can you close?** A: Fix and flip loans can close in as fast as 7 days. Bridge loans typically close in 10-14 days. DSCR and long-term loans usually close in 2-3 weeks. Timeline depends on how quickly documentation is provided and any third-party delays. **Q: What documentation is needed?** A: Requirements vary by loan type but typically include: loan application, purchase contract, scope of work (for renovation loans), entity documents, ID, and bank statements. DSCR loans are the most streamlined—no income documentation required. **Q: Do you require an appraisal?** A: Yes, we typically require a third-party appraisal or BPO (Broker Price Opinion) depending on the loan type and amount. For fix and flip loans, we may use an "as-is" and "after-repair" value analysis. --- ## Contact Information **Phone:** 619-369-4444 **Email:** info@keyrealestatecapital.com **Website:** https://www.keyrealestatecapital.com **Business Hours:** Monday - Friday: 8:00 AM - 6:00 PM (Pacific Time) **Social Media:** - Twitter: @KeyRealEstateCap --- ## Legal Disclaimer Key Real Estate Capital is a private lender. Loan terms, rates, and availability are subject to change and vary based on borrower qualifications, property type, and other factors. This document is for informational purposes only and does not constitute a loan commitment or guarantee of any terms. All loans are subject to underwriting approval.