# Key Real Estate Capital

> Key Real Estate Capital is a nationwide hard money lender and private real estate lender specializing in fast, flexible financing for real estate investors. We provide fix-and-flip loans, DSCR rental loans, bridge loans, new construction loans, and commercial real estate loans.

## Company Overview

Key Real Estate Capital is a direct private lender serving real estate investors across 48 states. Founded by real estate investors, we understand the unique financing needs of property investors and provide solutions that traditional banks cannot match.

**Contact Information:**
- Phone: 619-369-4444
- Email: info@keyrealestatecapital.com
- Headquarters: San Diego, California
- Website: https://www.keyrealestatecapital.com

## Loan Products

### Fix and Flip Loans
Short-term financing for investors purchasing properties to renovate and resell. Up to 90% of purchase price and 100% of renovation costs. Close in as fast as 7 days.
- Loan amounts: $75,000 - $3,000,000
- Terms: 6-18 months
- Interest rates: Starting at 9.99%

### DSCR Rental Loans (Single & Portfolio)
Long-term financing for rental property investors based on property cash flow, not personal income. No W-2s or tax returns required.
- Loan amounts: $75,000 - $5,000,000
- Terms: 30-year fixed or adjustable
- Qualify on rental income, not personal income

### Bridge Loans
Short-term financing to bridge the gap between purchasing a new property and selling an existing one, or to acquire properties quickly before long-term financing is secured.
- Loan amounts: $100,000 - $5,000,000
- Terms: 6-24 months
- Close in as fast as 10 days

### New Construction Loans
Financing for ground-up construction projects including single-family, multi-family, and spec homes.
- Loan amounts: $150,000 - $10,000,000
- Up to 80% of total project costs
- Progressive draw schedule

### Commercial Real Estate Loans
Financing for commercial and mixed-use properties including retail, office, industrial, and multi-family (5+ units).
- Loan amounts: $500,000 - $20,000,000
- Flexible terms based on property type

## Why Choose Key Real Estate Capital

1. **Fast Closings**: Close in as little as 7-14 days vs. 45-60 days with traditional banks
2. **Flexible Underwriting**: We find creative solutions when others say no
3. **Competitive Rates**: Transparent pricing with no hidden fees
4. **Experienced Team**: Our team has real estate investment experience
5. **Nationwide Coverage**: Lending in 48 states
6. **Relationship-Based**: Dedicated account executives who know your name

## Track Record

- Over $500 million in loans funded
- 1,000+ satisfied clients
- 48 states covered
- 7-14 day average closing time

## Investment Opportunities

For accredited investors, Key Real Estate Capital offers private credit investment opportunities with fixed 12% annual returns backed by real estate liens.

## Documentation

- [Loan Products](/loan-products) - Complete guide to all financing options
- [Fix and Flip Loans](/loan-products/fix-and-flip) - Detailed fix and flip loan information
- [DSCR Loans](/loan-products/single-rental) - DSCR rental property financing
- [Bridge Loans](/loan-products/bridge) - Bridge financing details
- [New Construction](/loan-products/new-construction) - Construction loan programs
- [Calculator](/calculator) - Loan payment calculator
- [Blog](/blog) - Educational resources and market insights
- [About Us](/about) - Company information and team
- [Contact](/contact) - Get in touch for a loan quote

## FAQ

**What is a hard money loan?**
A hard money loan is a short-term, asset-based loan secured by real estate. Unlike traditional bank loans that focus on borrower creditworthiness, hard money lenders primarily evaluate the property's value and the borrower's exit strategy.

**What is a DSCR loan?**
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the property's rental income rather than personal income. If the rental income covers the mortgage payment, you can qualify regardless of your W-2 income or tax returns.

**How fast can you close a loan?**
We can close fix and flip loans 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.

**What states do you lend in?**
We lend in 48 states across the continental United States.

**What credit score do I need?**
Minimum credit scores vary by loan program, typically starting at 620-660. We focus more on the deal and property than personal credit.