Real Estate Lending for Investors
Key Real Estate Capital is a nationwide private capital lender providing financing for real estate investors and borrowers — from renovation and construction projects to rental properties, portfolios, multifamily buildings, and commercial assets.
What Is Key Real Estate Capital?
Key Real Estate Capital is a private real estate lender headquartered in San Diego, California, lending nationwide. It provides asset-based financing secured by investment real estate, underwritten around the property and the borrower's plan rather than a single credit-score threshold.
The company serves real estate investors, developers, and rental property owners. Financing covers property acquisition, renovation and resale, ground-up construction, rental property purchases and refinances, rental portfolios, multifamily buildings, and commercial assets — as well as equity access through HELOC and second position cash-out programs.
Borrowers can start an application on this site, call (619) 369-4444, or email [email protected]. You can also read about the company or meet the lending team.
NMLS ID: #2676974
Real Estate Loan Programs
Each program is built for a different investment strategy. Program pages include the published rates, terms, and requirements.
Bridge Loans
Short-term financing that bridges the gap between transactions — useful when an investor needs to close on a new property before an existing one sells or before longer-term financing is in place.
Explore bridge loan financingFix & Flip Loans
Financing for acquisition and renovation projects, structured around the purchase and the rehab budget so investors can fund the work and resell the finished property.
Explore fix and flip financingNew Construction
Ground-up construction financing with a draw schedule that releases funds as the project reaches agreed stages of completion.
Learn about new construction loansSingle Property Rental
Longer-term financing for an individual rental property, underwritten primarily on the property's rental cash flow rather than personal income documentation.
Learn about single rental property loansRental Portfolio
Portfolio financing that covers multiple rental properties under a single loan, which can simplify reporting and support investors scaling a rental business.
Learn about rental portfolio loansMultifamily & Commercial
Financing for multifamily buildings and commercial asset types such as mixed-use, retail, office, and industrial properties, typically for experienced investors.
Explore multifamily and commercial financingSecond Position Cash-Out
A second-position loan that lets an owner access equity while leaving an existing first mortgage in place. Suitability depends on the property, existing lien, and available equity, so terms are reviewed case by case.
Learn about second position cash-out financingWho We Help
Key Real Estate Capital lends on investment real estate. These are the borrowers it works with most often.
Real estate investors
Investors buying, renovating, refinancing, or holding investment property who need financing that moves at the pace of a deal.
Developers and builders
Borrowers funding ground-up construction or heavier value-add projects that conventional lenders often decline.
Rental property owners
Owners financing a single rental or a portfolio of stabilized properties, including cash-out refinances to redeploy equity.
Borrowers seeking project financing
Borrowers with a specific property and plan who need a lender willing to underwrite the project, not just a credit file.
How Real Estate Investor Financing Works
Most investment property loans follow the same six stages. Exact requirements, documentation, and timelines depend on the program and the specific transaction.
- 1
Identify the property or project
Start with a specific property and a clear plan — purchase, renovation, construction, refinance, or portfolio acquisition.
- 2
Determine the financing strategy
Match the plan to the right program. A short renovation and resale calls for different financing than a long-term rental hold.
- 3
Submit project and borrower information
Share the property details, budget or rent assumptions, your experience, and the entity that will hold title.
- 4
Review and underwriting
The property, plan, and borrower profile are reviewed together. Valuation, title, and insurance are typically part of this stage.
- 5
Approval and loan terms
Approved loans come with written terms covering amount, rate, term, fees, and any conditions to be satisfied before closing.
- 6
Closing and funding
Documents are signed and the loan funds. On renovation and construction loans, remaining funds are released through draws as work progresses.
Want to model a scenario first? Use the loan calculator to estimate terms before submitting a request.
Common Questions
Answers to the questions investors ask most about real estate lending at Key Real Estate Capital.
More questions answered in the KREC answer hub, including what a bridge loan is, how fix-and-flip financing works, and how rental property loans are underwritten.
Real Estate Lending Resources
Guides on how each type of investor financing works, written by the Key Real Estate Capital team.
- Bridge Loans Explained
- Fix & Flip Financing Explained
- New Construction Financing
- Rental Property Financing (DSCR Loans)
- Building a Rental Portfolio
- Private and Hard Money Lending Explained
- Hard Money vs. Conventional Loans
- Choosing the Right Private Lender
- Estimate Loan Terms With Our Calculator
More articles are available on the Key Real Estate Capital blog, and you can see closed transactions on the recently funded deals page.
Why Real Estate Investors Work With KREC
Flexible, creative lending — and a real person on the other end of the deal.
You work with a human being
Every request is reviewed by a real member of the lending team, not an automated decision engine.
Creative, flexible structuring
Financing is built around the property and the plan, which allows for structures conventional lenders often can't accommodate.
Multiple financing solutions
Bridge, fix and flip, construction, rental, portfolio, multifamily, and commercial programs under one roof as your strategy changes.
An experienced lending team
Account executives, processors, and operations staff who work on investment property transactions every day.
Ready to finance your next project?
Tell us about the property and we'll walk you through the financing options.