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%
Loan Terms
12 months to 360 months
Origination Fees
1.5% to 3%
Lien Position
1st, 2nd
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

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


Junior Lien Types

  • Mezzanine
  • Preferred Equity

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


Junior Lien Types

  • Mezzanine
  • Preferred Equity

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

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


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

Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Rentals


Minimum Number of Properties


Processing 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

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


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


KECO Capital, LLC Testimonials

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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!

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
Percentage of Loans Secured by Commercial Property


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


Our Team

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

Get In Touch

KECO Capital, LLC pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
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

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