DSCR LOAN GUARANTEE

29-Day funding Guarantee

If your loan does not fund in 29 days, we will refund your appraisal fee and credit report fee in full, plus $250

No credit check. No cost. No obligation.

How it works

Speed matters in real estate investing. Delays in financing can cause lost deals, missed opportunities, and unnecessary stress.

The 29-Day Funding Guarantee is designed to keep your loan on track from start to finish.

If your loan does not fund within 29 calendar days from the start of the guarantee period, and all borrower and property requirements have been met, we will refund your appraisal fee and credit report fee in full, plus $250.

Step 1: Start of the 29-Day Clock

The 29-day timeline begins when all of the following have occurred:

  • You have completed a full loan application

  • You have paid the appraisal fee and credit report fee

  • You have submitted all requested borrower documents required to begin processing

This date is considered Day 1 of the 29-day funding timeline.

Step 2: Appraisal Access (First 10 Days)

You agree to provide full access to the property for appraisal scheduling.

  • Appraiser access must be available at any reasonable time within the first 10 calendar days

  • Delays caused by inability to access the property may pause or extend the timeline

Step 3: Title and Payoff Requirements (First 10–15 Days)

To stay within the 29-day timeline:

  • All existing liens requiring payoff must have valid, written payoff statements provided within the first 10 calendar days

  • If any liens require subordination, subordination approval must be obtained within 15 calendar days

Delays in obtaining payoff statements or subordination approvals may extend the timeline.

Step 4: Appraisal Requirements

Once completed, the appraisal must not reveal any issues that would prevent the loan from closing.

This includes, but is not limited to:

  • Property condition issues requiring resolution

  • Valuation issues that require additional underwriting or appeal

  • Any appraisal findings that require material loan restructuring

Step 5: Borrower and Tenant Cooperation

The 29-day timeline assumes full cooperation from the borrower and any tenants occupying the property.

Delays caused by borrower or tenant actions or inactions may extend the timeline. This includes, but is not limited to:

  • Failure to provide documents within requested timeframes

  • Delays in signing disclosures or closing documents

  • Limited or denied property access

  • Tenant-related delays affecting appraisal or inspection scheduling

Step 6: Funding Timeline

If all requirements are met and no qualifying delays occur, the loan is expected to fund within 29 calendar days from the start of the guarantee period.

If the loan does not fund within 29 days due to lender or broker-side delays and not borrower, property, or third-party delays, Key Home Funding will refund your appraisal fee and credit report fee in full, plus $250.

Refunds will be issued within five (5) business days after loan funding or final resolution of eligibility.

Frequently Asked Questions

What starts the 29-day clock?
The clock starts once your full application, appraisal fee, credit report fee, and required documents are received.

What can delay the timeline?
Delays caused by borrower response time, tenant access issues, appraisal access, title payoff delays, or subordination delays may extend the timeline.

What happens if something outside your control delays the loan?
The 29-day timeline is adjusted for borrower, property, or third-party delays as described above.

Important Notes

The 29-Day Funding Guarantee is based on timely cooperation from all parties and assumes normal underwriting, appraisal, title, and third-party processing timelines. It does not apply to delays caused by borrower actions, tenant access issues, appraisal or valuation complications, title payoff or subordination delays, or other third-party processing delays.

Learn more about our guarantees

Then call 855-774-3160 to review your loan options and shop wholesale rates, or schedule a call.

Call 855-774-3160 to review your loan options and shop wholesale rates, or schedule a call.

If you receive a written Approval Guarantee from Key Home Funding and your loan is later denied, we will refund your appraisal fee and credit report fee in full, plus $250.

If you lock your rate with Key Home Funding and later find a lower rate with another loan source, we will beat it or refund your appraisal fee and credit report fee in full, plus $250.

© 2026 Showcase Agency, Inc. dba Key Home Funding. All Rights Reserved. Privacy ∣ Terms

Key Home Funding 18 Pismo Beach, Irvine, CA 92602. (949) 662-3150. NMLS 1762262 ∣ DRE 02058997 ∣ GRNMA 1762262 ∣ GREC 8215
For licensing information go to www.nmlsconsumeraccess.org. Equal Housing Opportunity.

DSCR financing brokered by Key Home Funding is available in AL, AK, AR, CA, CO, CT, DE, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, PA, RI, SC, TN, TX, WA, WV, WI, WY.

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Key Home Funding brokers loans and does not make and/or fund any product offerings, loans, or credit decisions. This offer is not guaranteed if you do not meet our criteria, including credit worthiness, insurability or ability to provide acceptable property as collateral. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.

DSCR Loan Guarantees: The guarantees below are subject to eligibility requirements, limitations, and exclusions. Each guarantee applies only when all stated conditions are met. See individual guarantee pages for complete terms and conditions.

Approval Guarantee Disclaimer: The Approval Guarantee is issued only after a written Approval Guarantee is provided by Key Home Funding following their initial pre-underwriting review. It is subject to all conditions stated in the written guarantee, including timely submission of the loan to underwriting, prompt delivery of all requested documents, information, authorizations, and fees, and satisfaction of underwriting conditions such as credit, appraisal, property income, residency or entity requirements. Loans receiving a Suspense or Denial in the initial loan review are not eligible. If all conditions are met and the lender subsequently denies the loan, Key Home Funding will refund your appraisal fee and credit report fee in full, plus $250. Payment, if applicable, will be issued within five (5) business days of final lender denial.

Rate Shopper Guarantee Disclaimer: The Rate Shopper Guarantee applies only after you lock your loan with Key Home Funding and completion of all required application, fees, and documentation. Eligible competing offers must be written, verifiable, and itemized from a licensed lender or broker, showing the same loan amount, property, program, credit profile, and substantially similar terms, as determined by Key Home Funding in its sole discretion. If eligibility requirements are met, Key Home Funding will either beat the verified lower rate using one of their wholesale lending relationships or refund your appraisal fee and credit report fee in full, plus $250. If Key Home Funding is unable to beat the rate and you proceed with the competing lender, refunds and incentive payment will be issued within five (5) business days after you close with the competing lender and provide the final settlement statement and mortgage note confirming the lower rate.

29-Day Funding Guarantee Disclaimer: The 29-Day Funding Guarantee begins once a complete loan application is submitted, including payment of appraisal and credit report fees and all required borrower documentation. The timeline assumes timely borrower cooperation, including prompt document delivery, property access for appraisal, and resolution of title, lien payoff, and, if applicable, lien subordination requirements. Delays caused by borrower actions, tenant access issues, appraisal conditions, title or payoff processing, subordination delays, or other third-party factors may extend the timeline. If all eligibility requirements are met and the loan does not fund within 29 calendar days due to lender or broker-related delays, Key Home Funding will refund your appraisal fee and credit report fee in full, plus $250. Payment, if applicable, will be issued within five (5) business days after funding or final determination.

To review your loan options and shop wholesale rates, call 855-774-3160 or click here. No credit check. No cost. No obligation.