KECO Capital, LLC
Honolulu, Hawaii
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
- Up to 90% LTC Ground Up Construction
- Up to 90% of Purchase and 100% Rehab Funds With Wrapped in Interest Reserve. + Potential Advance Draws
Property Geographic Area Details
Loan Amounts
Loan Terms
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
Property Types
- 2-4 Units Residential
- Adult Day Care
- Assisted Living Facility
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Cooperative
- Covered Land
- Event Center
- Golf Course
- Healthcare
- Hospital
- Hostel
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Motel
- Multifamily
- Office
- Portfolio of Commercial Properties
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Storage Facility
- 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
- Land Development
- Luxury Homes
- Residential Long-Term Rental
- Residential Short-Term Rental
- TIC Tenancy-in-Common
- Vacation Rental
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%Max Loan-to-Purchase Price
85%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
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will 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%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
90%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesMinimum Loan Amount
$250,000Maximum Loan Amount
$10,000,000Minimum Interest Rate
6.75%Maximum Interest Rate
11%Minimum Origination Fee
2%Maximum Origination Fee
5%Minimum Loan Term
36 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
80%Maximum Loan-To-Purchase
80%Minimum Debt Service Coverage Ratio
1.00Minimum Credit Score
640Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
2Minimum Property Value
$250,000Maximum Property Value
$10,000,000Escrow Fee
Varies
Title Fee
Varies
Appraisal Fee
Varies
Renovation Construction Draw Fee
$Varies
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Processing Fee
- Documents Fee
- Legal Fee
- Settlement Fee
- Appraisal Fee
- Escrow Fee
- Title Fee
- Credit Report Fee
- Background Check Fee
- Extension Fee
- Renovation or Construction Funds Draw Fee
Fees which are paid to a third party company
- Documents Fee
- Legal Fee
- Settlement Fee
- Appraisal Fee
- Inspection Fee
- Escrow Fee
- Title Fee
- Credit Report Fee
- Background Check Fee
- Extension Fee
- Renovation or Construction Funds Draw Fee
KECO Capital, LLC Testimonials
Dustin A.
"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!"
Island Property Buyers LLC
Keone C.
"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."
Kuleana Investment Group LLC
Richard B.
"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!"
Hi Property Innovations LLC
Joel & Mary Ann B.
"...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!"
Inspired Life Investments LLC
Contact KECO Capital, LLC
Stay Informed About Private Lending
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, Hawaii 96817
Our Team
Contact KECO Capital, LLC
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact KECO Capital, LLC by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
Our Minimum Loan Amount Is
$250,000
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