KD Funding - Premier Real Estate & Business Capital

MAXIMIZE YOUR PORTFOLIO: PURCHASE, REFINANCE, AND CASH OUT WITH SPEED.

New Properties • Second Homes • Investment Portfolios
Real Estate: 640+ Credit DSCR: 660+ Credit

Stop letting slow underwriting kill your deals. Whether you are looking for Purchase capital, a Cash-Out Refinance, or a simple Rate/Term Refinance, we provide up to 80% LTV with speed and precision.

PREQUALIFY FOR FUNDING NOW

UNLOCK THE POWER OF ELITE CAPITAL

We specialize in Debt Service Coverage Ratio (DSCR) loans—the ultimate tool for scaling your portfolio without tax returns.
REQUIREMENT: 660+ CREDIT SCORE & DSCR > 1.0

Cash-Out Refinance

Pull cash out of your existing properties to fuel your next purchase. We fund based on the asset's cash flow, not your personal DTI.

Fast Purchases

Don't lose a deal waiting on a bank. We close Purchases in 10-21 days, giving you the competitive edge in a hot market.

Rate/Term Refinance

Optimize your current loans. Lower your rate or change your terms without the headache of full income verification.

Diverse Property
Types

We fund New Properties, Second Homes, and Multi-Property Investment Portfolios. Single Family to 4-Unit & Condos.

Simple Qualification

DSCR > 1.0 required. Meaning if the property generates more rental income than the debt payment, you likely qualify.

Unlimited Scale

No limit on the number of properties you can finance. We help you build an empire without hitting a financing wall.

DO YOU QUALIFY FOR FUNDING?

Review the simple requirements below to see if you are ready to apply.

REAL ESTATE FUNDING

  • 640+ Credit Score
  • 12+ Months of Bank Statements
  • Investment & Owner Occupied

DSCR FUNDING

  • 660+ Credit Score
  • DSCR > 1.0 (Positive Cash Flow)
  • No Personal Income Req.
PREQUALIFY FOR FUNDING NOW
Keldrick Dodson

Keldrick Dodson

DEDICATED FUNDING MANAGER

I’m not just a broker; I’m your strategic partner in wealth creation. I focus on relationships and results. I want to be the one handing you the capital for your 10th property, not just your first. Let's make your real estate goals a reality—starting right now.

Direct Line: 877-789-6445

Email: [email protected]

COMPLETE FINANCING SOLUTIONS

Bank Statement Loans

For self-employed borrowers. Requires 640+ Credit and 12+ Months of Statements. High approval odds for entrepreneurs.

1099 Loans

Ideal for gig workers, realtors, and contractors. No tax returns needed. Simple qualification based on your 1099 earnings.

Fix & Flip / Bridge

Short-term capital for renovation and stabilization. Close fast in 10-14 days so you never miss a distressed asset opportunity.

New Construction

Ground-up construction loans for builders and investors. Flexible draw schedules designed to keep your project moving.

WHAT OUR PARTNERS SAY

"The speed was incredible. I needed a cash-out refi to buy a second home. KD Funding closed my loan in 14 days when the bank said 60."

- Michael R., Florida Investor

"I had the credit (680) but not the tax returns. Keldrick's team usude the DSCR program and got me approved on a rental property instantly."

- Sarah T., Business Owner

"I appreciate the direct communication and transparency. No call centers, just real expertise. They structured my portfolio refinance perfectly."

- David L., Multi-Family Investor

EXPERT ANSWERS TO YOUR QUESTIONS

What is required for a Bank Statement loan?
To qualify for our Bank Statement program, you typically need a minimum credit score of 640 and must provide 12 to 24 months of business or personal bank statements. We analyze the deposits to calculate your income, rather than looking at tax returns.
How does the DSCR program work?
DSCR (Debt Service Coverage Ratio) loans evaluate the property's ability to cover its own debt. You generally need a 660+ Credit Score and the property must have a DSCR > 1.0 (meaning rental income exceeds the mortgage payment). No personal income is required.
Can I do a Cash-Out Refinance?
Yes! We specialize in Cash-Out Refinances to help you pull equity from your existing properties to buy more. We can usually go up to 75-80% LTV depending on your credit score and the property type.
What property types do you fund?
We fund a wide variety of investment properties including Single Family Homes, 2-4 Unit Multi-Family, Condos, Townhomes, and Short-Term Rentals (Airbnb/VRBO). We also fund New Construction and Fix & Flip projects.
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. We can guide you through this simple process to ensure your portfolio is structured correctly.