Urgent Funding Access

Urgent Funding Access - KD Funding

DSCR LOAN MASTERY: UNLOCK THE POWER OF YOUR PROPERTY'S CASH FLOW.

The cornerstone of scaling your portfolio: Qualification based on cash flow, not tax returns.

Closing in 7–12 Days

Access funds faster than any traditional bank.

85% Max LTV

Maximize leverage and keep your capital liquid for the next deal.

No W2s / Soft Credit

Qualification is based on the asset, with a minimum 660 FICO.

40-Year Fixed Available

Lock in generational stability for your cash-flowing assets.

Unlimited Properties

Scale without limits—your portfolio size is not restricted.

STR/Condotel/LLC

We finance specialized assets and allow LLC titles for liability protection.

**DSCR > 1.0** indicates enough cash flow to cover debt service (PITIA). We simplify this complex ratio for your funding success.

SEE IF YOUR PROPERTY QUALIFIES FOR FUNDING. ACT TODAY.

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EXPERTISE / WHY INVESTORS CHOOSE US

We specialize in **advanced, asset-based lending solutions** built specifically for modern real-estate investors: DSCR • Bank Statement • 1099 • Bridge • Fix & Flip • Construction • Portfolio Loans

Every product is designed to eliminate the biggest investor bottlenecks:

Slow underwriting that kills deals

The **Traditional Lender Problem** is reliance on outdated personal income audits and committee approvals, which can drag out for weeks, causing you to lose a time-sensitive deal.

Bank income requirements that don’t match investor reality

Banks force W-2, DTI, and tax return conformity, blocking funding for profitable self-employed individuals and investors who optimize their tax liability.

High fees and hidden markups from middlemen

Traditional brokers and banks add multiple layers of cost and hidden fees, eating into your profit and reducing your effective leverage.

Lenders who don’t understand creative strategies

Most lenders instantly reject complex assets like Condotels, Short-Term Rentals, or financing under an LLC, limiting your portfolio’s diversity and growth potential.

Our structure solves all of that. KD Funding gives investors a direct path to institutional capital — meaning:

⭐ Lowest costs and fees in the industry

Our Solution: Pure efficiency built into our direct-access model, eliminating middleman markups and reducing your cost-per-loan.

⭐ Fast approvals based on cash flow, not tax returns

Our Solution: We underwrite the property's performance (DSCR), ensuring fast decisions and closing in as little as 7–12 days.

⭐ Clear, consistent guidelines — no surprises

Our Solution: Your dedicated strategist provides upfront clarity and consistent guidelines, protecting your deal certainty.

⭐ Flexible solutions for short-term rentals, Airbnb, multifamily, mixed-use, and complex deals

Our Solution: Products engineered for *your* creative strategies, including 40-Year Fixed options and up to 85% LTV.

This isn't a claim — it’s a strategic advantage built into our model. **No middleman markups. No outdated bank restrictions. Just pure efficiency and funding that matches your goals.**

The Luxury of Certainty: Unrivaled Expertise & Lowest Costs.

We are the ultimate authority in Non-QM and specialty asset financing.

We specialize in sophisticated, asset-based financing: DSCR, Bank Statement, 1099, Bridge, and Fix & Flip. This breadth ensures capital always meets opportunity, not bureaucratic delay. Our promise is the lowest cost and fees in the industry.

"We were told a Condotel loan was impossible. The KD Funding team not only found a solution but closed the deal in 3 weeks, saving our $1.2M equity. They are the ultimate authority in Non-QM lending." - S. Patel, Seasoned Investor

EXPANDED SOLUTIONS: BEYOND DSCR

KD Funding does more than approve loans — we help real estate investors scale their entire portfolio with a full suite of financing options:

Bank Statement Loans: The Solution for Self-Employed Borrowers

Perfect for entrepreneurs and self-employed individuals. We qualify based on your **12 or 24-month business or personal bank statements**, not tax returns.

Up to **90% LTV** (No MI, 2-4 unit properties)
Variable expense factor used for **more qualifying income**
Loans up to **$4M**
Owner-occupied, 2nd homes, and investment properties accepted
NSFs allowed on a case-by-case basis

1099 Loans: Simplified Financing for Gig Economy Earners

Designed for individuals receiving 1099 income. We focus on your **1099 earnings**, bypassing the need for traditional tax returns.

**No tax returns required**
**10% expense factor** used (for more qualifying income)
Up to **90% LTV**
Loans up to **$3M**
One or two-year history of 1099 required
Multiple 1099s acceptable

Bridge Loans: Seamless Transitions for Your Next Big Move

The ideal solution to bridge the gap between selling your current property and acquiring your next dream investment or home.

**Stand Alone Loan Program:** Up to 70% LTV on your departing home
**Simultaneous Loan Program:** Up to 75% LTV where qualification is based solely on the purchase loan payment
Loans from **$100k to $2M**
Available in all states KD-Funding is licensed in (exceptions apply)

Condo & Condotel Loans: Specialized Funding for Unique Assets

We provide financing for **condominium projects**, including **non-warrantable condos** and **condotels**, which often don't fit traditional criteria.

Up to **75% LTV** for non-warrantable condos and condotels
Loan amounts up to **$4M** (max $2.5M on condotels)
High rises accepted
**Foreign Nationals allowed**
Full documentation or DSCR program options
Owner-occupied, 2nd homes, and investment properties

New Construction & Fix & Flip Loans: Fueling Your Development Projects

Rapid funding solutions for your construction and renovation projects, designed for speed and flexibility to keep your deals on track.

Fast closings in **10-14 days**
Loans from **$75,000 to $5M+**
Up to **80% LTV** on most loans
Dedicated support from application to closing
Low costs and fees in the industry

RISK AVERSION VS. FUNDING ACCELERATION Q&A

Q1 — How does KD-Funding cut out wasted capital?

A: We approve based on property cash flow, not personal income. That means **no inflated down payments**, **no DTI limitations**, and **no unused buying power** sitting on the sidelines. Your capital stays in your portfolio — not trapped in underwriting.

Q2 — How do you eliminate investor stress?

A: We offer a transparent, streamlined approval process with fast decisions:

No tax returns or employment verification
LLC-friendly ownership
Airbnb and rental income accepted
Dedicated deal strategist from application to closing

You focus on acquiring assets — we handle the paperwork.

Q3 — Why do traditional lenders cause such painful delays?

A: Banks underwrite *you*, not the property — creating endless hoops:

Personal income audits
Employment verification
DTI calculations
Committee approvals

This can drag out weeks or kill deals entirely. We underwrite the investment, not the investor — so deals close fast and friction-free.

Q4 — What if my bank keeps saying I don’t qualify even though my property cash flows?

A: KD-Funding approves based on rental income, not your tax returns or W-2s. So while banks block your growth with outdated DTI rules, we help you unlock funding using the **property’s performance**, not your personal paperwork.

TRUST & PARTNERSHIP

You’re working directly with Keldrick Dodson — your dedicated Funding Strategist.

My role is simple: help you close more deals, scale faster, and structure financing that grows with you, not against you.

When you win, we win. That’s the KD Funding difference.