Why CHOOSE KEY?

6 Reasons To Choose KEY As Your DSCR Loan Source

You've got options. Lots of them. So why choose KEY?

Did you know there are more than 221,000 mortgage loan officers in the United States? Plus, every month, 2,000 to 3,000 new ones enter the market while 2,000 to 3,500 leave.

So yes, you have options. An overwhelming number of them.

Here's the problem: Most of them don't understand you

95% of those 221,000+ loan officers fund less than 2 investor loans per year.

LESS THAN TWO LOANS. PER YEAR.

If you're a real estate investor, is that really the type of professional you want to help you secure mortgage financing? Someone who funds one real estate investor loan every 6 to 12 months if they're lucky?

Most mortgage loan officers have never owned an investment property themselves. Most don't understand STR vs LTR business models, cash flow, why your property is listed for sale or vacant if you're trying to refinance, or why your LLC holds title.

They're residential mortgage generalists trying to force-fit investor loans into their homebuyer process that requires tax returns, W2s, paystubs, employment verification, and debt-to-income restrictions.

They're not equipped to serve you. And when they try, it costs you time, money, and deals.

Finding The Right One Is A Game Of Chance (And The Odds Are Against You)

Finding The Right One Is A Game Of Chance (And The Odds Are Against You)

Out of 221,000+ random options, how do you find the rare mortgage loan officer who actually understands property investors, has access to investor-friendly loan products, and has an operational team that can execute?

You won't really know if they can deliver until you're 30 to 45 days into the process... and by then, you've already paid for the appraisal and credit report, and burned a lot of time.

Every wrong choice costs you.

Here's What's Actually At Stake

You won't find these specialized investor loan products at the bank, and most other mortgage sources will DENY your loan (remember: they're funding less than 2 investor loans per year)... even though a few "hidden" wholesale lenders exist who would actually fund your loan with no problems.

Without access to specialized investor loans:

  • Your mortgage loan application could get denied

  • Your debt-to-income ratio could stop you from unlocking your equity

  • You could get stuck with a high rate and payment that cuts deep into your monthly cash flow

  • The loan process could drag on for months causing costly delays and missed opportunities

Your time, your capital, your next deal are on the line.

Easier, Faster, And More Affordable... Guaranteed

Here's what separates KEY from the other 221,000+ options:

We make it easier, faster, and more affordable for real estate investors to get mortgage financing. And we're so confident that we're going to knock it out of the park for you and deliver a 5-star mortgage experience, we guarantee it.

Not with vague promises, but with real money-back guarantees that pay you if we fall short.

Why would you risk your hard work, time, and money with a company who offers no guarantees?

With KEY, if something doesn't work out in your favor, you're compensated in a meaningful way.

Here are 6 reasons to choose us, KEY HOME FUNDING, as your DSCR loan source:

Reason #1: We Get More Investors Approved

One of the reasons we get more real estate investors approved is because we offer a wide range of investor loan products that other banks and mortgage companies don't.

We have DSCR loan products for:

  • Vacant properties

  • Properties listed for sale

  • Airbnb/VRBO and other short-term rentals

  • Short title seasoning

  • Low credit scores

  • Multi-member LLCs

  • Rural and remote areas

  • Properties facing foreclosure

  • Rehabs exiting hard money

We say "yes" even when banks say "no."

And we back it up with our APPROVAL GUARANTEE: If you receive a written Approval Guarantee from KEY and your loan is later denied by the lender, we will refund your appraisal fee and credit report fee in full, plus $250.

Reason #2: We Shop For Your Best Rate (With You On The Phone)

We shop your DSCR loan scenario with 100+ wholesale lenders to find the lenders accepting your loan scenario and the wholesale rates they're offering. No credit check needed.

Together with you, on the phone, we'll identify the lenders offering the best rate and lowest payment for your DSCR loan scenario, even if your investment property is listed for sale, vacant, bought yesterday, or behind on payments.

And we back it up with our RATE SHOPPER GUARANTEE: If you lock your rate with KEY 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.

Reason #3: Our Team Funds Fast

Other lenders can take up to 45 days or longer to fund a DSCR refinance loan.

Our operations team is elite. We fund in 29 days.

That means you get out of expensive hard money faster. You access your cash faster. You move on to your next deal faster.

And we back it up with our 29-DAY FUNDING GUARANTEE: If your loan does not fund in 29 days, KEY will refund your appraisal fee and credit report fee in full, plus $250.

Reason #4: We Understand Investors Because We're Investors Too

Not only are we a mortgage broker specializing in real estate investor loans, we're also real estate investors, like you.

And we own Showcase Agency, a real estate brokerage specializing in helping investors buy and sell California and Georgia long-term rental properties, Airbnbs, and fix & flips.

We understand STR, LTR, Fix & Flip, BRRRR, and Refi Till You Die business models. We know how LLCs and operating agreements can protect you from lawsuits. We speak your language and know what you're trying to accomplish and why.

When you talk to KEY, you're talking to someone who gets it. Who understands that this loan isn't just paperwork - it's a tool to build your wealth and freedom.

We deliver a 5-star financing experience designed specifically for real estate investors.

Reason #5: We Keep You In The Loop, Not In The Dark

One of the biggest complaints investors have about working with lenders is the communication blackhole.

You submit your application, pay your appraisal and credit report fees, and then... silence. You're left wondering what's happening, whether there are issues, if your loan is even moving forward.

Not with KEY.

Your dedicated loan team keeps you informed every step of the way. You'll know exactly where your loan stands, what we're working on, and when to expect the next update.

No surprises. No guessing. No chasing us down for answers.

You're kept in the loop, not left in the dark.

Reason #6: We Make Time For Our Clients

Some mortgage loan officers rush you off the phone. They've got quotas to hit, other calls to make, and they treat your questions like an inconvenience.

Not KEY.

Your dedicated loan team makes time to answer your questions, explain the details of your loan, walk through your options, and make sure you fully understand what you're getting into.

You'll never feel rushed. You'll never feel like you're bothering us. You'll never hang up the phone with unanswered questions.

This is your real estate business. Your capital. Your future deals. You deserve to have complete clarity before you move forward.

Ask KEY anything. We're here for you.

What To Do Next

If you're planning to apply for a DSCR loan, call us, KEY HOME FUNDING, at 855-774-3160 or schedule a quick WHOLESALE RATE SHOPPER call on our calendar by clicking here.

On the call, you and one of our investor loan specialists will shop your loan scenario with 100+ wholesale lenders to find the ones accepting your scenario and the wholesale rates they're offering you. No credit check needed.

We'll find the lenders offering you the best rate and lowest payment for your DSCR loan scenario, even if your investment property is listed for sale, vacant, bought yesterday, or behind on payments. With our DSCR loan, you can maximize your property's cash flow, unlock equity, and pump up your bottom line.

Please allow 15 minutes so you can see all of the wholesale rates and loan terms available to you. Have pen, paper, and calculator ready when we talk.

If you do not like the loan terms we offer you, you are under no obligation to move forward.

If you like what you see and think we're the right expert to help you with your investment property financing, we can start by reserving a spot for you on our Funding Calendar for a tentative date to fund your loan.

If you choose another loan source, the information you receive on our call will still help you.

Call 855-774-3160 or schedule a quick WHOLESALE RATE SHOPPER call on our calendar by clicking the button below.

No credit check. No cost. No obligation.

Learn more about our guarantees

Would you hire a plumber, electrician or roofer who won't guarantee their work?

Then why hire a mortgage company that won't guarantee their loan approval, rate, and speed?

Would you hire a plumber, electrician or roofer who won't guarantee their work? Then why hire a mortgage company that won't guarantee their loan approval, rates, and speed?

APPROVAL GUARANTEE

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.

RATE SHOPPER GUARANTEE

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

29-DAY FUNDING GUARANTEE

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

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

Why risk your hard work, time, and money on a company with no guarantees?

Why risk your hard work, time, and money

on a company with no guarantees?

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Key Home Funding 18 Pismo Beach, Irvine, CA 92602. (949) 662-3150. NMLS 1762262 ∣ DRE 02058997 ∣ GRNMA 1762262 ∣ GREC 8215

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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.