FUNDING FOR INVESTORS BY INVESTORS
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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
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 Lien Interest Rates
10% to 12%
Junior Lien Origination Fees
2% to 5%
We Fund Junior Position Loans
Rarely
Junior Lien Types
- Mezzanine
- Preferred Equity
Land Types Considered
- Residential Land
- Multifamily Land
- Retail Land
Will Consider Land That is NOT Entitled
noMax LTV for Land
65%Max LTC for Land Acquisition
65%Junior Lien Types
- Mezzanine
- Preferred Equity
Max Loan-to-Purchase Price
100%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Seller Financing
- Gap Lender
- Crowdfunding
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
4Maximum After Repair Value
75.00%Minimum Loan Amount
$250,000Maximum Loan Amount
$5,000,000Minimum Interest Rate
3.75%Maximum Interest Rate
7.5%Minimum Origination Fee
1%Maximum Origination Fee
3%Minimum Loan Term
84 monthsMaximum Loan Term
360 monthsMinimum Debt Service Coverage Ratio
1.10Will Lend on a Portfolio of Rentals
YesMinimum Number of Properties
2Processing Fee
$750 Minimum Processing Fee
Fees which are paid to a third party company
- Legal Fee
- Appraisal Fee
- Inspection Fee
- Escrow Fee
- Title Fee
- Credit Report Fee
KECO Capital, LLC Testimonials
"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
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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!
Associations
- National Private Lenders Association - Founding Member
Office Locations
KECO Capital, LLC900 North Nimitz Hwy #305, Honolulu, HI 96817
Our Team
Get In Touch
Stay Informed About Private Lending

Our Minimum Loan Amount Is
$300,000
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
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