Why KENZ Financial
Whatever Your Business Needs, There’s A Real Estate Business Loan for that
Fast Funding
Apply in Just 10 Minutes for a Same-Day Call and Free Pre-Approval Consultation
Easy Rate Comparisons
We've partnered with 75 + lenders, each of
which may want your business.
Expert Guideline
Realtors can apply in just 15 minutes. Once
approved, it's possible to receive full funding
in as little as 24 hours.
Real Estate Solutions offered with our lending network
Whatever your business needs, there’s a small business loan for that.
Type
Highlights
Qualifications
LTV & additional info
Get an Offer
Type
Conforming Loans
Conforming loans adhere to Fannie Mae and Freddie Mac guidelines, ideal for those within conforming loan limits. Offers competitive terms suitable for various buyers or those refinancing.
Higlights
Low interest rates
Fixed and adjustable-rate options
Streamlined approvals
Qualifications
Mortgage amount ≤ $726,200
Good/excellent credit
Easy-to-document income
LTV & additional info
LTV: Varies by program specifics, often up to 97% for qualified buyers.
Get an Offer
Type
Non-Conforming Loans
Designed for loans exceeding conforming limits, offering jumbo options up to $30 million. Accommodates borrowers with complex financial scenarios or non-owner-occupied properties.
Higlights
Flexible options for higher loan amounts
$0 Lender Fee
Customization available
Qualifications
Loan amount > $726,200
Jumbo and Super Jumbo options
Complex financial situations
LTV & additional info
LTV: Up to 90% for certain products, tailored to borrower's financial situation.
Get an Offer
Type
FHA Loans
FHA loans, insured by the FHA, offer lenient credit and down payment requirements, suitable for first-time home buyers or those refinancing.
Higlights
Low down payments (3.5% minimum)
Lower credit scores accepted
Flexible guidelines
Qualifications
Relaxed credit requirements
Down payment or home equity < 20%
LTV & additional info
LTV: Up to 96.5% for purchases, allowing down payments as low as 3.5%.
Get an Offer
Type
Jumbo & Super Jumbo Loans
Targets financing for luxury homes or high-priced investments, with loans exceeding the conforming loan limit and up to $30 million. Offers flexibility and tailored options for high-value properties.
Higlights
Competitive rates - Flexible terms
Up to $30 million loans
Qualifications
Loan amounts exceeding conforming limits
Complex financial or unique property situations
LTV & additional info
LTV: Up to 90% for purchase loans, specific conditions apply.
Get an Offer
Type
Non-QM & Portfolio Loans
Customizable loans ranging from $150,000 to $30 million for borrowers with complex finances or unique needs, including bridge-to-sale and cross-collateralization options.
Higlights
High loan amounts, low fees
Flexible underwriting
Custom mortgages
Qualifications
Non-traditional incomes<br>- Complex financial needs
LTV & additional info
LTV: Varies, with products allowing up to 80% LTV for acquisitions and refinancing.
Get an Offer
Type
Non-QM & Portfolio Loans
Customizable loans ranging from $150,000 to $30 million for borrowers with complex finances or unique needs, including bridge-to-sale and cross-collateralization options.
Higlights
High loan amounts, low fees
Flexible underwriting
Custom mortgages
Qualifications
Non-traditional incomes<br>- Complex financial needs
LTV & additional info
LTV: Varies, with products allowing up to 80% LTV for acquisitions and refinancing.
Get an Offer
Type
ITIN Home Loans
Facilitates home purchases for individuals without an SSN but who have an ITIN, expanding access to home ownership.
Higlights
Enables home buying without SSN
Qualifications
Must have an Individual Tax Identification Number (ITIN)
LTV & additional info
LTV: Specific LTV ratios depend on borrower qualifications and loan details.
Get an Offer
Type
Construction Home Loans
Ideal for constructing a new home or making significant improvements, providing tailored financing solutions.
Higlights
Financing for building or improving homes
Qualifications
Tailored to buyers looking to build or make improvements
LTV & additional info
LTV: Up to 80% for construction projects, varies based on project specifics and borrower's financial situation.
Get an Offer
Type
Agency Multifamily
Offers multifamily capital solutions, specializing in small to middle market investors with loans ranging from $750k to $100MM. Focuses on education and execution for agency debt.
Higlights
Broad market access
Institutional leverage and pricing
Qualifications
Small to middle market multifamily investors
Loans between $750k and $100MM
LTV & additional info
LTV: Up to 80% for acquisitions and refinancing, specific to agency guidelines.
Get an Offer
Type
Fix and Flip Bridge Loans
Supports investors in fix-and-flip projects with flexible terms and loan amounts up to $10 million. Includes financing for purchase costs and rehab budgets.
Higlights
Tailored offerings
Ranges from $50,000 to $10,000,000
Qualifications
Non-owner occupant
Personal guarantees required
Minimum credit score: 600
LTV & additional info
LTV: Up to 70% of After Repaired Value (ARV), financing up to 100% of rehab budget.
Get an Offer
Type
Multifamily Bridge Loans
Tailored for the acquisition/repositioning of value-add multifamily properties, with loans from $2.5 million to $30 million. Supports specific business plans with creative structuring.
Higlights
Acquisition and repositioning support
Up to $30,000,000 loans
Qualifications
Experienced investors
Non-owner occupant
Multifamily experience required
LTV & additional info
LTV: Up to 75% for purchases and repositioning efforts, appraisal waivers available for loans below $15 million.
Get an Offer
Type
DSCR Rental Loan Program
Offers fixed rate loans for one to four unit rental properties, catering to investors seeking acquisition, refinance, or cash-out options without traditional income verification.
Higlights
No income verification needed
Loan amounts up to $2,500,000+
Fixed rate loans
Qualifications
Minimum credit score: 660
One to four unit rental properties
Corporate or individual borrowers
LTV & additional info
LTV: Up to 80% for acquisitions and refinancing, tailored to investor needs using DSCR calculations.
Get an Offer
Type
DSCR Portfolio Loan Program
Designed for investors with portfolio properties, providing acquisition, rate and term refinance, and cash-out options. Offers flexibility for non-traditional income sources and complex ownership structures.
Higlights
Tailored for portfolio properties
Loan amounts up to $10,000,000
Flexible underwriting
Qualifications
Minimum credit score: 660
Non-owner occupied, rent-ready properties
Complex ownership structures considered
LTV & additional info
LTV: Up to 80% for acquisitions and refinancing, select non-recourse options available for specific qualifications.
Get an Offer
Type
Commercial Real Estate Loans
Financing solutions for the purchase, renovation, or refinance of commercial properties, tailored to meet the specific needs of the investment.
Higlights
Financing for various property types
Tailored to commercial investments
Qualifications
Income-generating potential
Borrower's creditworthiness
Investment experience
LTV & additional info
LTV: Typically up to 75%, based on the property type and borrower qualifications.
Get an Offer
Type
SBA 7(a) and 504 Loans
Offers small business owners competitive financing for purchasing or refinancing commercial real estate, backed by the SBA.
Higlights
Government-backed
Competitive rates and terms
Small business owners
Qualifications
Operational for at least 2 years
Use of property for business operations
LTV & additional info
LTV: Up to 90% for 504 loans; terms up to 25 years for real estate under 7(a) loans.
Get an Offer
Type
Land Development Loans
Supports the transformation of raw land into construction-ready sites or for commercial use, providing the necessary capital for development.
Higlights
For acquisition and development of land
Turns raw land into build-able lots
Qualifications
Detailed development plan
Experienced developers
Strong financial
LTV & additional info
LTV: Often up to 60-75%, based on the land purchase price or developed value.
Get an Offer
Type
Mezzanine Financing
A flexible financing option that provides capital beyond what is available through traditional loans, often used in large commercial projects.
Higlights
Hybrid of debt and equity
Convertible to equity interest in case of default
Qualifications
For large commercial projects or acquisitions
Additional capital beyond traditional loans
LTV & additional info
Terms and conditions vary widely, tailored to the project and partnership agreements.
Get an Offer
Type
Hard Money Loans
Ideal for quick financing needs, such as rehabbing or flipping properties, where traditional financing is not an option.
Higlights
Short-term, asset-based
Higher interest rates than traditional loans
Qualifications
Based on property value
Quick funding needs
LTV & additional info
LTV: Up to 65-75% of the property's current value; terms typically 12 months or less.
Get an Offer
Type
Hard Money Loans
Ideal for quick financing needs, such as rehabbing or flipping properties, where traditional financing is not an option.
Higlights
Short-term, asset-based
Higher interest rates than traditional loans
Qualifications
Based on property value
Quick funding needs
LTV & additional info
LTV: Up to 65-75% of the property's current value; terms typically 12 months or less.
Get an Offer
Type
Bridge Loans for Transitional Properties
Provides liquidity for investors and developers to bridge the gap between purchase or renovation and securing long-term financing.
Higlights
Short-term financing for renovation or repositioning
Quick liquidity
Qualifications
Transitional or value-add commercial properties
Clear exit strategy
LTV & additional info
LTV: Typically up to 70-80% of purchase price or value upon completion; 1 to 3 years terms.
Get an Offer
Minimum Requirements For Small Business Loans
Qualifications for being given funding will vary by loan product and lender
Reviews from real estate agents
%20cmprssd.jpg)
Kenz Capital was a game-changer for my startup. Their straightforward application process and personalized financing solutions helped us secure the funding we needed to scale. Highly recommend for any business looking for reliable and efficient financing options.
As a real estate investor, finding the right financing partner can be challenging. Kenz Capital not only provided me with competitive rates but also offered insights that were crucial for my investment decisions. Their expertise and support have been invaluable."
I was impressed by the range of financing options Kenz Capital offers. Their team worked closely with me to understand my needs and provided a tailored solution that exceeded my expectations. Their commitment to client success is evident."
"Navigating business financing can be daunting, but Kenz Capital made it easy. Their application process was seamless, and I appreciated their transparency throughout. The funding helped us overcome a crucial hurdle, and we're now on a path to growth, thanks to their support."
"Working with Kenz Capital Partners LLC was a breath of fresh air during a critical time for my business. Their team not only guided me through their comprehensive funding options but also showed genuine care for my business's success. The financial solution they provided was perfectly suited to our unique needs, helping us achieve milestones we once thought were out of reach. Their professionalism and expertise are truly unmatched."
FAQs
1. What are real estate agent business loans?
Real estate agent business loans are financial solutions tailored to support the unique needs of real estate professionals. These loans can be used for various purposes, including marketing, expanding the business, bridging cash flow gaps, or investing in new technologies. They are designed to accommodate the fluctuating income and specific operational requirements of real estate agents, offering them the financial flexibility to grow their business and meet their goals.
2. What are the requirements to get a loan for a real estate agent?
To secure a loan as a real estate agent, requirements often include a strong credit history, proof of steady income, business financial statements, and a solid business plan. Lenders may also evaluate your experience in the real estate industry and the potential for future earnings. Specific criteria can vary by lender, so it's important to consult directly with the financing institution for their unique requirements.
3. What can I use realtor loans for?
Realtor loans can be used for various purposes such as marketing and advertising, office space rental, technology upgrades, hiring staff, and professional development. These funds allow real estate agents to invest in areas that will help grow their business, enhance their services, and maintain a competitive edge in the market.
4. What are the benefits of an online loan marketplace?
An online loan marketplace offers several benefits, including a wide range of loan options from various lenders, competitive rates, and the convenience of applying from anywhere. It simplifies the comparison of loan terms and rates, ensuring that borrowers can find the best deal suited to their needs. This platform also speeds up the loan approval process, making it easier and faster for businesses to access needed funds.
5. What are the different types of SBA loans?
The Small Business Administration (SBA) offers several types of loans, including 7(a) loans, which are general purpose loans for various business needs; CDC/504 loans, aimed at significant purchases like real estate or machinery; Microloans for smaller needs and startups; and SBA disaster loans, designed to help businesses recover from declared disasters. Each type targets different aspects of business financing, providing a range of options to support small businesses in their growth and recovery efforts.
Terms of Use Privacy Policy
Copyright (cc) 2024 KENZ. All Rights Reserved. California
Powered by Shazyor Studios