Are you a Real estate Investor or Self-employed?
Are you a Real estate Investor
or Self-employed?
You've got 221,000+ options.
Why choose KEY?
If you're searching for a mortgage loan, you've got options. Lots of them. There are more than 221,000 mortgage loan officers in the United States to choose from. So yes, you have options. An overwhelming number of them.
If you're a real estate investor or self-employed, get this:
If you're a real estate investor or
self-employed, get this:
95% of those 221,000+ mortgage loan officers fund less than 2 investor loans or self-employed loans per year.
LESS THAN TWO LOANS. PER YEAR.
If you're a real estate investor or self-employed, is that really the type of professional you want to help you secure mortgage financing? Someone who funds one investor loan or one self-employed loan every 6 to 12 months if they're lucky?
If you needed brain surgery, do you want the surgeon who operates less than 2 times per year to help you, or the maestro cranking out brain surgeries every day?
Here's the problem: They don't understand you.
Here's the problem:
They don't understand you.
Most have never owned an investment property or actual business themselves.
Most don't understand your business model, property or business cash flow, your terminology, or the specialized loan products designed for real estate investors and self-employed.
They're residential mortgage generalists trying to force fit investor loans and self-employed 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.
Here's what's actually at stake
You won't find these specialized investor loan products and self-employed loan products at the bank, and most other mortgage sources will DENY your loan (remember: they're funding less than 2 investor loans or self-employed loans per year)... even though a few "hidden" wholesale lenders exist who would actually fund it with no problems.
Without access to specialized investor loans and self-employed 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, and your next deal are on the line.
Investor Loan & Self-Employed Loan Specialists
So, why choose KEY?
First of all, we've been in business since 2017 and specialize in real estate investor loans and self-employed loans. We're also real estate investors and business owners, like you.
We understand STR, LTR, Fix & Flip, BRRRR, and Refi Till You Die business models. We understand cash flow. 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 powerful tool to build your wealth and freedom.
We're real estate "insiders".
From both sides of the negotiating table.
We also 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.
For more than a decade, we've been privy to both sides of the real estate transaction - as the seller's agent or buyer's agent - and we've seen firsthand what goes on behind the scenes of investment property purchases.
Properties with no building permits, problem tenants that won't leave, mechanics liens and IRS liens on title, pre-foreclosure distressed sales, home inspection issues, pending lawsuits, blacklisted condo complexes and HOAs, and anything else that could happen buying or selling a long term or short term rental or fix & flip property.
Those experiences from both sides of the negotiating table have helped us at KEY to become more valuable mortgage advisors for our real estate investor and self-employed clients.
More approvals, at higher loan amounts
One of the reasons KEY gets more real estate investors and self-employed approved is because we offer a wide range of investor loan products and self-employed loan products you won't find at the bank or most mortgage companies.
We have specialized loan products that require no tax returns, no W2s, no paystubs, and no debt-to-income calculations, even for tougher loan scenarios that get turned down almost everywhere else, such as:
Short title seasoning (you bought the property less than 12 months ago)
Vacant property (no rental income)
Property listed for sale (or recently de-listed)
Poor property condition
Rural or remote location
Multi-member LLC ownership
Low credit scores
Delinquent payments or pre-foreclosure status
Airbnb/VRBO or other short term rental use
Shop 100+ wholesale lenders. No credit check.
Shop 100+ wholesale lenders.
No credit check.
We'll shop your investor loan or self-employed loan scenario with you using our WHOLESALE RATE SHOPPER.
Shop 100+ wholesale lenders to find the ones accepting your loan scenario and the wholesale rates they're offering you. No credit check needed. No cost. No obligation.
Together with you on the phone, we'll identify the wholesale lenders offering you the best rate, lowest payment, and most cash-out for your investor loan or self-employed loan scenario, even if your property is listed for sale, vacant, purchased yesterday, or behind on payments.
Fast funds
Other lenders typically take 45 days or longer to fund an investor loan or self-employed loan.
Our loan processing team is elite. We fund most loans in 29 days or less, even the tougher loan scenarios.
We guarantee our work
How crazy would it be to hire a plumber, electrician, or roofer for a $10,000 or $20,000+ repair job on one of your investment properties or businesses and get NO guarantee?
Then why hire a mortgage company that won't guarantee their loan approval, rate, and speed?
Here's what separates us from those other 221,000+ options:
We make it easier, faster, and more affordable for real estate investors and self-employed 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 risk your hard work, time, and money with a mortgage company that offers no guarantees?
With KEY, if something in the loan process doesn't work out in your favor, you're compensated in a meaningful way.
Approval Guarantee
If you receive a written Approval Guarantee from KEY HOME FUNDING and you 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, we will refund your appraisal fee and credit report fee in full, plus $250.
Not ready yet?
We understand that you may be gathering information at this stage in the process and may not be ready yet to shop wholesale rates with one of our investor loan or self-employed loan specialists.
If that's the case, check out these resources we made for you:
The Insider's Guide To DSCR Loans | Whether you're new to DSCR loans or a seasoned real estate investor, this guide gives you new knowledge to navigate the process with confidence. CLICK HERE TO ACCESS
Investor Financing News | Maximize cash flow, unlock equity, and qualify for more loan products. CLICK HERE TO ACCESS
Investor Classroom | Find good deals, protect yourself from lawsuits, reduce your taxes, use an IRA to buy real estate, and more. COMING SOON
They're free and available for you at any time. Even if you choose another loan source, the information will still help you.
Applying soon?
If you're planning to apply for a real estate investor loan or self-employed loan, call us at 855-774-3160 or schedule a quick WHOLESALE RATE SHOPPER call by clicking here.
On the call, we'll shop your loan scenario with 100+ wholesale lenders to find the ones accepting your loan scenario and the wholesale rates they're offering you. No credit check needed.
We'll find the lenders offering you the best rate, lowest payment, and most cash-out, even if your property is listed for sale, vacant, purchased yesterday, or behind on payments. With our investor loans and self-employed loans, you can maximize your cash flow and unlock equity, without tax returns or income and employment verifications.
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 or self-employed 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.
Our Vision
To become the #1 financing choice for real estate investors and self-employed business owners nationwide.
Our Vision
To become the #1 financing choice for real estate investors and self-employed business owners nationwide.
Our Core Principles
Integrity | Our word is our bond.
Respect | We honor the risk, grit and hustle it takes to be a real estate investor or self-employed.
Value | We maximize your cash flow and unlock more equity through superior pricing, product selection and speed.
Innovation | We offer specialized loan products for investors and self-employed that you won't find at the bank or credit union.
Speed | We fund fast.
Communication | We keep you in the loop, not in the dark.
Gratitude | We are thankful for every client and opportunity.
Our Mission
To provide real estate investors and self-employed business owners nationwide with fast, affordable mortgage financing for every stage of their real estate strategy.
Our Mission
To provide real estate investors and self-employed business owners nationwide with fast, affordable mortgage financing for every stage of their real estate strategy.
Our Value Proposition
We make it easier, faster and more affordable for real estate investors and self-employed to get mortgage financing. And 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 mortgage company that won't guarantee their work?
With KEY HOME FUNDING, if something doesn't work out in your favor, you're compensated in a meaningful way.
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 can make this promise.
REAL ESTATE INVESTOR | Self-employed business owner
REAL ESTATE INVESTOR OR
Self-employed business owner
Would you hire a plumber, electrician or roofer
who won't guarantee their work?
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?
© 2026 Showcase Agency, Inc. dba Key Home Funding. All Rights Reserved. About Us ∣ 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.
