DSCR FINANCING Flexible Financing for Your Real Estate Success
- Fix and Flip Loans
- Rental property 30 yr Financing
- Bridge & Transactional Loans
- Private Money Loans - (*Virginia)
- Lend With us!!
SOFT-PULL/NOT ON CREDIT/NO TAX or INcome docs
24/7 loan advisor - call our team: 804-913-2765
Explore Our Loan Options
Refinance Loans
New Construction Loans
New Construction Loans
Streamline your finances with our Refinance options.
New Construction Loans
New Construction Loans
New Construction Loans
Reduce your monthly payments or adjust your loan terms with ease.
Purchase Loans
New Construction Loans
Fix and Flip Loans
Get the financing you need to grow your real estate portfolio.
Fix and Flip Loans
Deferred Purchase Loans
Fix and Flip Loans
Perfect for investors looking to purchase, renovate, and quickly sell properties.
Deferred Purchase Loans
Deferred Purchase Loans
Deferred Purchase Loans
Investors w/ 100% ownership may be eligible: lower interest + higher LTV
Lets discuss program qualification*
Bridge Loans
Deferred Purchase Loans
Deferred Purchase Loans
Short-term financing to bridge the gap between buying a new property and selling an existing one.
TESTIMONIALS:
Chase C., 2025
- Portfolio LLC, 2023
Chase C., 2025
"I've done half a dozen loans with Century Key Capital, and they have always been able to provide competitive loan rates and terms and have been quick to prioritize me and help me get my docs through the process quickly."
-Tom H., 2024
- Portfolio LLC, 2023
Chase C., 2025
"Century Key Capital did an incredible job helping me secure a great loan at a great rate. The team was knowledgeable and responsive whenever I had questions. In the end I was able to save a ton of time, energy, and money with peace of mind knowing I was working with great people throughout the process! I've done 4 loans with them and its been great every time."
- Portfolio LLC, 2023
- Portfolio LLC, 2023
- Portfolio LLC, 2023
"The Team at Century Key Capital found us the perfect portfolio loan to meet our investment's unique needs. I am very happy with the whole experience, and we are cash flowing nicely!"
- Rashid F., 2022
- Rashid F., 2022
- Portfolio LLC, 2023
"I accelerated my acquisition by using a JV combined with the BRRRR method, and was able to get my flip loan quickly and turn it around into long term rental easily thanks to the expertise and guidance we received from the guys over at Century Key Capital. Patrick is a problem solver - Highly recommend!!!!!!"
- Andrew K., 2024
- Rashid F., 2022
- Andrew K., 2024
"Century Key Capital's team helped me get out of a sticky situation on a flip loan and they were able to get me my funds quickly, which was huge!"
Our Partners
Funding Strategy Appointment
Frequently Asked Questions
Please reach us by phone or by email at mortgage@centurykeycapital.com if you cannot find an answer to your question.
We have many different loans that offer financing for new investors, seasoned investors and everybody in between. New Investors tend to have higher rates until experience is gathered, unless they are partnered with more experienced investors
Yes. We have institutional loan products, and local private loan products depending on the deal, your best option may vary case by case
Conventional financing (banks) require certain levels of income, DTI, and employment to qualify. The private lending sector (non-qm), relies simply on the Asset being used in the deal, the borrowers credit score and the cash flow of the property. Private lending is often utilized by self-employed and seasoned investors to scale an investment business or portfolio.
Some lower rate loan products may offer 20-25 year terms, others offer 30-year terms for purchase and Refi
No. Because of this, investors are able to grow their portfolios quicker and not have any set backs regarding credit or mortgage DTI issues.
No.
Some lenders do not have a seasoning period. Typically the seasoning period is 3 months, but we can start the process at 2 months. The economic shifts we have been seeing has been converting many products to longer seasoning periods with 6 months, but we still have some with no seasoning requirement too
620-660
$50k for single assets and $40k per door for commercial properties.
90% Down, 100% financing Flip Loans
75-80% for cash-out refinance
80% for purchase
Yes.
Yes.
Yes.
Add a Minimum value of $50k per door with a minimum of 2 properties bundled together in the deal.
Typically 3-4 weeks.
Locations
45 STATES
*NORTH DAKOTA, SOUTH DAKOTA, UTAH, NEVADA, ALASKA - NOT AVAILABLE CURRENTLY