KD Funding - Premier Real Estate & Business Capital

Is Slow Funding Killing Your Next Investment Property?

Don't risk losing it to bureaucratic banks. Access DSCR, Bank Statement, and Fix & Flip financing with the industry's lowest costs and up to 80% LTV.

PURCHASE • CASH OUT REFINANCE • RATE/TERM REFINANCE

CHECK YOUR ELIGIBILITY NOW

UNLOCK THE POWER OF ELITE CAPITAL WITH DSCR LOANS

We specialize in Debt Service Coverage Ratio (DSCR) loans—the ultimate tool for scaling your portfolio without tax returns or employment verification. If the property cash flows, you qualify.

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No Income Verification

Qualify based strictly on the property's rental income (or potential income). No W-2s, no tax returns required.

Fast Closing

We move at the speed of opportunity. Close your deal in 10-21 days on average.

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Flexible Assets

Available for Single Family, 2-4 Units, Condos, and Short-Term Rentals (Airbnb/VRBO).

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High Leverage

Up to 80% LTV on purchases and refinances to maximize your buying power.

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Low Ratio Options

Options available even if the property doesn't fully cover the debt (DSCR < 1.0) for strategic acquisitions.

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Unlimited Scale

No limit on the number of properties you can finance. Build your empire without hitting a "bank wall."

SEE IF YOUR PROPERTY QUALIFIES FOR FUNDING

Get a personalized term sheet in minutes, not days.

APPLY FOR FUNDING NOW
Keldrick Dodson

Keldrick Dodson

DEDICATED FUNDING MANAGER

"I’m not just a broker; I’m your strategic partner in wealth building. In an industry full of transaction-chasers, I pride myself on longevity and relationships. I want to be the one handing you the keys to your 10th property, not just your first. Let's make your real estate goals a reality—starting right now."

Complete Financing Solutions

Bank Statement Loans

For self-employed borrowers. 12-24 months statements used for income. High approval odds.

1099 Loans

Ideal for gig workers and contractors. No tax returns needed. Simple qualification.

Fix & Flip / Bridge

Short-term capital for renovation and stabilization. Close fast in 10-14 days.

New Construction

Ground-up construction loans for builders and investors. Flexible draw schedules.

What Our Partners Say

★★★★★

"The speed was incredible. I was stuck in underwriting with a bank for 45 days. KD Funding closed my DSCR loan in 12 days. Saved the deal."

- Michael R., Florida Investor
★★★★★

"Being self-employed makes getting loans a nightmare usually. Keldrick's team looked at my bank statements and got me approved without a single tax return."

- Sarah T., Business Owner
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"I appreciate the direct communication. No call centers, just real expertise. They structured my portfolio refinance perfectly."

- David L., Multi-Family Investor

Expert Answers to Tough Questions

Are DSCR rates higher than a traditional mortgage?
Slightly, yes—but that's the price of speed and freedom! You're trading months of tax-return headaches and potential rejection for a streamlined, asset-based approval. It’s about Opportunity Cost: obtaining the asset now vs. losing it while waiting on a bank.
Do these loans have Pre-Payment Penalties?
Most commercial investment loans (DSCR) do include a standard prepay structure (e.g., 3-5 years) to secure that low fixed rate, but we offer flexible options! We can structure it to fit your exit strategy, whether you plan to hold for 30 years or flip in 6 months.
Why choose Business Funding over a Bank Loan?
Speed and access. Banks often take 60-90 days and reject applications for minor credit issues or lack of collateral. Our Business Funding partners approve based on revenue flow, often funding within 24-48 hours, allowing you to seize immediate opportunities.
Do I need an LLC to close?
For DSCR and investment loans, closing in an LLC is highly recommended (and sometimes required) for liability protection and asset separation. We can guide you through this simple process to ensure your portfolio is structured correctly.