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KECO Capital, LLC

Honolulu, HI·Founded 2018·Nationwide
Visit website ↗(808) 500-7398
KECO Capital is a leading nationwide private lender specializing in fast, reliable fix-and-flip bridge loans, short-term bridge financing, new construction lending, and DSCR rental loans.
KECO Capital, LLC describing itself

Loan programs

Fix & Flip

$500K – $10M
Term
6 mo – 24 mo
Rate
6.25% – 13%
Amortization
Interest-Only
Maximum leverage
Max LTV 80%Max LTC 90%Max ARV 75%Max LTCV 75%Max LTP 90%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential · Multifamily (5+) · Short-Term Rental (STR)

DSCR / Long-Term Rental

$250K – $10M
Term
30 yr
Rate
6.25% – 11%
Amortization
30-Year Fixed, Interest-Only
Maximum leverage
Max LTV 80%Max LTV (cash-out) 75%Max LTP 80%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential · Multifamily (5+) · Short-Term Rental (STR)

Ground-Up Construction

$500K
Rate
6.25% – 13%
Maximum leverage
Max LTV 80%Max LTC 90%Max LTCV 75%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential · Multifamily (5+) · Short-Term Rental (STR)

Bridge

Term
30 yr
Maximum leverage
Max LTV 80%Max LTP 90%

Fix to Rent (BRRRR)

Maximum leverage
Max LTC 90%Max ARV 75%Max LTP 90%
Also offers— no published terms
CommercialMultifamilyRental Portfolio / Blanket

Terms & qualification

Typical loan size
$500K – $10M
Typical term
6 mo – 30 yr
Interest rate
6.25% – 13%
Origination / points
2% to 5%
Minimum FICO
680
Lien position
First lien
Prepayment penalty
No prepayment penalty on short-term bridge or rehab loans. 5/4/3/2/1 Annual Pre Payment Step Down Penalty on our 30-year loans.
Payment structure
Interest-only, amortized and interest-reserve structures are available depending on program
Recourse
Always
Closing speed
21 days typical · 2 days fastest
Prepayment structure
Step-down
Cross-collateral
Yes
Equity / JV capital
No
Income documentation
Documentation required includes credit report, tax returns, bank statements, financial statements, and loan application. Short-term bridge loans focus on the asset; DSCR loans qualify on rental income, not personal income history.
Borrower entity
Individual(s), LLC, Limited Partnership, Trust, Corporation
Experience required
All experience levels accepted. No minimum number of completed projects required for fix-and-flip, rehab, or ground-up construction. New investors welcome.

Property types

Single-Family (SFR)Condo / Townhome / PUD2–4 Unit ResidentialMultifamily (5+)Land & LotsShort-Term Rental (STR)

Lending footprint

AKALARAZCACOCTDCDEFLGAHIIAILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPARISCTNTXUTVAWAWIWVWY

Explicitly excluded: ID, ND, SD, VT

Sources

This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.