Keystone Home Loans & Realty
    Real estate investment properties
    Investor Financing & Partnerships

    Funding for Real Estate Investors

    Partner with a private hard money lender focusing on non-owner occupied residential investment properties with 1-4 units. Whether you're a wholesaler, doing a fix and flip, or building a rental portfolio, we have the capital to fund your next deal.

    Who We Work With

    We provide strategic financing and real estate solutions for serious investors looking to scale their operations.

    Fix & Flippers

    Fast, reliable capital for acquisition and rehab. Maximize your ROI with our high-leverage RTL loans.

    Wholesalers

    Join our team. We partner with wholesalers looking to transition into flipping, providing the capital and guidance needed.

    Lease Purchase / Buy & Hold

    Long-term DSCR rental loans for investors building generational wealth through cash-flowing properties.

    General Pre-Qualifications

    Non-owner occupied properties only
    1-4 residential units
    Properties must be within approximately one hour of a major population center (200,000+ population)
    Case-by-case basis for ground up construction

    Property Restrictions

    Commercial properties
    Mixed-use properties
    Consumer-purpose loans
    Non-investment-use deals

    Our Loan Programs & Terms

    Competitive rates, high leverage, and fast closings for your investment properties.

    Fix & Flip Loans (RTL)

    • Used for purchase + rehab or rehab-only
    • Asset-based approval focusing on property value, ARV, and rehab scope
    • 12 months short-term with NO prepayment penalties
    • Rates begin at 12.99% (interest-only payments)
    • Origination fees begin at 2.99%
    • Up to 95% LTC and 65% LTV
    • 600 minimum FICO score
    • Loan amounts: $50K–$1M standard

    Rental Loans (DSCR)

    • 30-year fixed rental loans (10-year interest-only available)
    • Approval based on DSCR (property cash flow), not personal income
    • Rates start at 5.99% interest and 2% origination
    • 80% max LTV based on appraisal
    • NO minimum FICO score
    • Long-term rentals: $75K–$2M
    • Short-term rentals (Airbnb/VRBO): $100K–$2M
    • Minimum property value of $150K

    Cash-Out Refinance (RTL)

    • Rate and term, cash-out refinances, and refinance + rehab
    • 12–36-month terms
    • Limited exceptions may apply for seasoned or free-and-clear properties
    • General restrictions may apply (case-by-case basis)

    Bridge / Gap Loans (RTL)

    • Short-term financing for quick acquisition of investment properties
    • 12-month term maximum
    • Rates start at 12.99% interest and 2.99% origination
    • 600 FICO minimum
    • 95% LTC and 65% LTV
    • Loan amounts: $50K–$1M standard

    Get Pre-Approved Today

    Submit your information below and our funding department will contact you to discuss your next deal.

    By submitting this form, you agree to be contacted by our funding department regarding your real estate investment needs.

    Direct Lending & Investor Capital

    Our Core Funding Programs

    Fast, asset-driven capital designed for real estate investors, builders, and commercial developers nationwide.

    Fund Manager Has Cash Looking for Real Estate Deals - Get your RE deals funded here

    Pre-Qualify in Minutes • Close Fast • Nationwide Coverage

    Investment Property Financing

    Capital for fix-and-flips, BRRRR strategies, and long-term residential portfolio expansion (1-4 units).

    Commercial Real Estate Needs

    Funding for multifamily complexes, mixed-use buildings, retail spaces, warehouses, and office developments.

    Acquisition & Rehab Capital

    Seamlessly combine your purchase price and renovation costs into a single, fast-closing facility.

    Bridge & Short-Term Loans

    Flexible transition capital to secure a property before shifting into long-term permanent financing.

    Why Investors Partner with Us?

    • •Streamlined Pre-Qualification: Find out where your project stands in minutes, not weeks.
    • •Rapid Closing Timelines: Move from application to funding quickly to secure off-market or time-sensitive deals.
    • •Asset-Driven Underwriting: We evaluate the strength of the deal and the property value, minimizing tedious red tape.

    Ready to Fund Your Next Project?

    Don't let capital constraints hold your business back. Speak directly with a funding coordinator today.