Fix & Flip | Ground-Up Construction | BRRR Financing | Commercial Bridge

  • We Lend Nationwide in all States
  • Competitive Products
  • No Prepayment Penalties (on short-term loans)
  • Interest Only
  • No Interest Paid on Construction Holdback

Property Geographic Area Details

Nationwide except DE, ID, ND, SD, VT

Loan Amounts

$300,000 to $10,000,000

Interest Rates

3.75% to 11.99%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1.5% to 3%

Loan Terms

12 months to 360 months

Lien Position

  • 1st
  • 2nd

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property

Property Occupancy

  • Vacant
  • Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

  • Residential Property

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Condominium
  • Manufactured Home
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Multifamily
  • Portfolio of Residential Properties
  • Residential Land
  • Single Family Residence
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Residential Long-Term Rental

Specialty Loan Types

  • Residential Long-Term Rental

Junior Liens

Junior Lien Interest Rates

10% to 12%

Junior Lien Origination Fees

2% to 5%

We Fund Junior Position Loans


Junior Lien Types

  • Mezzanine
  • Preferred Equity

Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Retail Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Gap Lender
  • Crowdfunding
  • Family

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Maximum After Repair Value


Construction Loan

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects


Residential Long-Term Rental

Minimum Loan Amount


Maximum Loan Amount


Minimum Interest Rate


Maximum Interest Rate


Minimum Origination Fee


Maximum Origination Fee


Minimum Loan Term

84 months

Maximum Loan Term

360 months

Maximum Loan-To-Value


Maximum Loan-To-Purchase


Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Rentals


Minimum Number of Properties


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized
  • Interest Reserve

Payment Structure Details

Interest Only

Pre Payment 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.

Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Corporation

Documentation Required

  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Credit Check Description

Minimum 660 FICO score for Fix & Flip and Bridge Loans. 680 FICO required for our Rental Financing program.

Appraisal Required for Residential Property


Broker Price Opinion (BPO) Accepted for Residential Property



Underwriting Fee

$750.00 to $0

Processing Fee

$750 Minimum Processing Fee

Fees which are charged upfront prior to loan closing

  • Other Fee

Fees which are paid to a third party company

  • Legal Fee
  • Appraisal Fee
  • Inspection Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee

KÉCŌ CAPITAL was formed by real estate investors Kekoa-Michael Lwin and Cory Nemoto. As investors who have borrowed millions of dollars in private financing themselves across multiple states and markets, they both saw a huge need in the marketplace to provide affordable capital to investors by investors. Kekoa and Cory have a passion to serve new and seasoned investors with not just providing the primary financing on their deals, but also, with practical guidance, trusted expertise with genuine encouragement and support.

KÉCŌ CAPITAL understands, through its company mission, the critical role that private and hard money financing plays in allowing real estate investors and developers to use leverage and scale their operations, which in turn helps provide more jobs, more housing, cleaner neighborhoods, and stimulated local economies. KÉCŌ CAPITAL is not just another hard money lender. KÉCŌ CAPITAL is a member of your team who will stand with you, and for you, on every deal!

Year Established



  • National Private Lenders Association - Founding Member

Office Locations

KECO Capital, LLC
900 North Nimitz Hwy #305, Honolulu, HI 96817

Primary Capital Source

  • Own Funds
  • Individual Investors
  • Single Capital Partner

Alternative Capital Sources

  • Debt Fund We Manage

Loan Structure for Majority of Loans

  • Table Funding with Capital Partner

Alternative Loan Structures

  • Own Balance Sheet
  • One Investor One Loan

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Real Estate Investing
  • Residential Real Estate Investing
  • Real Estate Development

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Loans Secured by Land


Percentage of Commercial Property Loans Which are Ground-Up Construction


Percentage of Residential Property Loans Which are Ground-Up Construction


Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)


2019 Number of Loans Funded


2020 Number of Loans Funded


Cory Nemoto

Co-Owner & Founder

Kekoa-Michael Lwin

Co-Owner & Founder

Alexander J. Young

Senior Vice President

Scott Rosenhaus

Vice President - Operations

Leila Morinaga

Director - Operations

Tyler Rosenhaus

Senior Loan Processor

Justin Rosenhaus

Senior Loan Processor

KÉCŌ CAPITAL funded my first deal with them in 14 days and they are about to fund another deal for me. Cory, Kekoa and Alex are a great team who not only operate quickly but also make it a lot of fun!

Dustin A.

Island Property Buyers LLC

As a licensed realtor & former Compliance Analyst/Specialist in the real estate division of Hawaii's most prominent banking institution, I understand the complexities & challenges that can arise when processing a loan & KÉCŌ CAPITAL handled my closing with grace & professionalism. I have a massive network of lenders I can choose from yet KÉCŌ CAPITAL is now my first call for all of my personal hard money loans.

Keone C.

Kuleana Investment Group LLC

I’ve done business with Cory and Kekoa for many years and can testify to their character, sincerity and helpfulness. KÉCŌ Capital is now my first call for all my deals!

Richard B.

Hi Property Innovations LLC

...We can’t express enough how grateful we are to have the opportunity to work with KeCo Capital along side with Scott Rosenhaus and Cory Nemoto. The support we received and their heart-work of going beyond has just been great. With this partnership, and along with our club members, Odetta and Laka, we were able to serve a homeowner that in distress and not just financially, but also home life as well. We served the homeowner by finding them a new and better environment to live in and get them to financial stability. We are so excited to continue this life long partnership with KeCo Capital because together we are here to serve the people of Hawai’i the Pono way. We love you KeCo Capital!

Joel & Mary Ann B.

Inspired Life Investments LLC

Before You Contact Us

Our Minimum Loan Amount Is


What We Do

  • Loans for Real Estate Investors
  • Bridge, Fix & Flip, Rental, Construction
  • LTP/LTC Up to 100% for Flip Projects

Not Available

  • NO Owner-Occupied Homes
  • NO Specialty Property Types
  • NO Rural Areas

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


Add links to documents, photos, etc.