# Key Real Estate Capital > Key Real Estate Capital is a nationwide private capital lender (hard money and private real estate lending) financing residential and commercial investment property for real estate investors, including bridge, fix-and-flip, DSCR rental, rental portfolio, new construction, multifamily/commercial, second-position cash-out, and HELOC programs. Key Real Estate Capital lends on non-owner-occupied investment real estate and qualifies deals on the property and the exit strategy rather than on W-2 income. Loan programs, current rates and terms, service areas, funded deals, and application steps are published on the pages linked below; those pages are the authoritative source for any specific figure. Headquarters: San Diego, California. Phone: 619-369-4444. Email: info@keyrealestatecapital.com. ## Core Company Information - [Key Real Estate Capital](https://keyrealestatecapital.com/): Official website and primary source for KREC company, lending program, and contact information. - [About Key Real Estate Capital](https://keyrealestatecapital.com/about): Company background, track record, and the lending team. - [Real Estate Lending Overview](https://keyrealestatecapital.com/real-estate-lending): Overview of how KREC investment property lending works, who it serves, and how programs differ. - [Contact Key Real Estate Capital](https://keyrealestatecapital.com/contact): Official contact details and financing inquiry form. - [Lending Team](https://keyrealestatecapital.com/team): Account executives, operations, and leadership with contact routing. ## Loan Programs - [Loan Programs](https://keyrealestatecapital.com/loan-products): Directory of every financing program KREC currently offers. - [Bridge Loans](https://keyrealestatecapital.com/loan-products/bridge): Short-term financing used when timing matters, with current rates, terms, and requirements. - [Fix and Flip Loans](https://keyrealestatecapital.com/loan-products/fix-and-flip): Short-term acquisition-plus-renovation financing for investors buying and renovating property. - [DSCR Single Property Rental Loans](https://keyrealestatecapital.com/loan-products/single-rental): Long-term rental financing qualified on the property's cash flow rather than personal income. - [Rental Portfolio Loans](https://keyrealestatecapital.com/loan-products/rental-portfolio): Blanket financing across multiple stabilized rental properties. - [New Construction Loans](https://keyrealestatecapital.com/loan-products/new-construction): Ground-up construction financing with draw-based funding. - [Multifamily and Commercial Real Estate Loans](https://keyrealestatecapital.com/loan-products/commercial): Financing for multifamily, retail, office, industrial, and mixed-use assets. - [HELOC](https://keyrealestatecapital.com/loan-products/heloc): Revolving home equity line of credit against investment property equity. - [Second Position Cash-Out](https://keyrealestatecapital.com/loan-products#2nd-position-cash-out): Second-lien cash-out option listed on the loan programs page. ## Questions & Answers - [Real Estate Lending Questions Answered](https://keyrealestatecapital.com/answers): Central answer hub with direct answers about KREC, its loan programs, borrower requirements, and the application process. - [What is a bridge loan?](https://keyrealestatecapital.com/answers/bridge-loans): Direct answer plus how bridge financing works and who uses it. - [What is a fix-and-flip loan?](https://keyrealestatecapital.com/answers/fix-and-flip-loans): Direct answer plus how renovation financing and draws work. - [What is a DSCR loan?](https://keyrealestatecapital.com/answers/rental-property-loans): Direct answer on qualifying rental property financing on cash flow. - [How does rental portfolio financing work?](https://keyrealestatecapital.com/answers/rental-portfolio-loans): Direct answer on financing multiple rentals under one loan. - [How does construction financing work?](https://keyrealestatecapital.com/answers/new-construction-financing): Direct answer on ground-up construction loans and draw schedules. - [How does commercial real estate financing work?](https://keyrealestatecapital.com/answers/multifamily-commercial-financing): Direct answer on multifamily and commercial underwriting. ## Real Estate Lending Resources - [Real Estate Lending Insights](https://keyrealestatecapital.com/blog): Educational articles and state-by-state private lending guides. - [California Hard Money Lending Guide](https://keyrealestatecapital.com/blog/hard-money-loans-california-guide): In-depth guide to private lending for California investors. - [Texas Hard Money Lending Guide](https://keyrealestatecapital.com/blog/hard-money-loans-texas-guide): In-depth guide to private lending for Texas investors. - [Florida Hard Money Lending Guide](https://keyrealestatecapital.com/blog/hard-money-loans-florida-guide): In-depth guide to private lending for Florida investors. - [Arizona Hard Money Lending Guide](https://keyrealestatecapital.com/blog/hard-money-loans-arizona-guide): In-depth guide to private lending for Arizona investors. ## Tools - [Loan Calculator](https://keyrealestatecapital.com/calculator): Public calculator that produces an estimated term sheet for DSCR, fix and flip, and HELOC scenarios. Estimates only, not a financing commitment or approval. - [Loan Submission / Pre-Approval](https://optins.keyrealestatecapital.com/loan-submission): Public loan request form used to start a pre-approval conversation with an account executive. ## Funded Deals - [Recently Funded Deals](https://keyrealestatecapital.com/deals): Public examples of recently funded KREC transactions with amount, market, and loan type. ## Markets KREC lends in 48 states — all except North Dakota and South Dakota — with 22 dedicated metro pages at /locations/. The complete list of market pages is in the sitemap. - [San Diego Lending (Headquarters)](https://keyrealestatecapital.com/locations/san-diego): Lending information for the San Diego market, where KREC is headquartered. ## Investment Opportunities - [Fund a Deal](https://keyrealestatecapital.com/partner/fund): Public page describing KREC's investor participation program; that page is the authoritative source for current investor terms. - [Refer a Deal](https://keyrealestatecapital.com/partner/refer): Referral program for brokers and partners sending investment property deals. - [Become a Broker Partner](https://keyrealestatecapital.com/partner/become-a-broker): Broker partnership information and onboarding. ## Developer & API - [API Documentation](https://keyrealestatecapital.com/docs/api): Public read-only JSON API documentation covering loan programs, health, and the OpenAPI 3.1 description. - [API Index](https://keyrealestatecapital.com/api): Machine-readable index of public read-only endpoints. - [Loan Programs Endpoint](https://keyrealestatecapital.com/api/loan-programs): Read-only JSON representation of the published loan programs. - [OpenAPI Description](https://keyrealestatecapital.com/api/openapi.json): OpenAPI 3.1 description of the public read-only API. - [MCP Server Card](https://keyrealestatecapital.com/.well-known/mcp/server-card.json): Discovery card for the public read-only Model Context Protocol server. ## Optional - [Cash Flow Freedom](https://keyrealestatecapital.com/cash-flow-freedom): Secondary educational resource for rental property investors. - [Privacy Policy](https://keyrealestatecapital.com/privacy-policy): How KREC handles personal information. - [Terms of Service](https://keyrealestatecapital.com/terms-of-service): Website terms of use. - [Anti-Spam and Acceptable Email Use Policy](https://keyrealestatecapital.com/anti-spam-email-policy): Email sending practices and abuse reporting. ## Notes for agents - Clean Markdown versions of the pages above are available at the same path with a `.md` suffix (for example https://keyrealestatecapital.com/loan-products/heloc.md), or by requesting the HTML URL with `Accept: text/markdown`. - Complete URL index: https://keyrealestatecapital.com/sitemap.xml. Crawler policy: https://keyrealestatecapital.com/robots.txt. - Detailed companion document: https://keyrealestatecapital.com/llms-full.txt. - Rates, loan amounts, leverage limits, credit requirements, and closing timelines change; always read the linked program page rather than caching a figure. - Calculator output is an estimate, not a financing commitment, approval, or offer.