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Lending Program

At Rekota Capital Funding, LLC, we provide two specialized lending programs — Hard Money Loans and DSCR Loans — to meet the needs of real estate investors. Whether you're financing a fix-and-flip, refinancing a rental property, or making your next purchase, we deliver fast, reliable solutions to help you succeed.

Hard Money Program Details

Loan Features

Our Hard Money Loans are designed for residential real estate investors, offering funding based on the After Repaired Value (ARV) of the property. These loans include financing for both the purchase and rehab of the property.

Borrower Criteria

  • Minimum Median Credit Score of 600.

  • Minimum of $15,000 in a Checking, Savings, IRA, or 401(k) account.

  • No recent bankruptcy or foreclosures (subject to review).

Loan Terms

  • Insurance policy is required for the loan term.

  • Up to 75% ARV for rental properties (excluding points and fees).

  • Loan Terms starting at 6 months.

  • 600 minimum credit score for Hard Money; 660 minimum credit score for DSCR

Loan Fees

  • Interest Rates: Starting at 12.99% (interest-only payments).

  • Points: Starting at 2.99% (based on deal and location).

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DSCR Program Details

Loan Features

Our DSCR Loans focus on helping investors refinance or purchase rental properties by leveraging the Debt-Service Coverage Ratio instead of traditional income verification.

Loan Terms

  • Mortgagee’s title policy is required.

  • Insurance policy is required for the loan term.

  • Financing of up to 75% LTV on a rental refinance or purchase.

  • A survey may be required.

Borrower Criteria

  • Seasoned cash for at least 60 days.

  • Minimum credit score of 660.

  • Up to 12 months of PITI (Principal, Interest, Taxes, and Insurance) in cash reserves.

  • No recent bankruptcy or foreclosures.

Why Choose Rekota Capital Funding?

We understand the challenges real estate investors face when securing financing. Our Hard Money Loans and DSCR Loans are crafted to provide flexibility, speed, and reliability.

Program Highlights:

  • Fast approvals for time-sensitive investments.

  • Competitive rates and terms tailored to your needs.

  • A trusted network of lenders to ensure your success.

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Why Choose Rekota Capital Funding?

Whether you’re flipping a property or growing your rental portfolio, Rekota Capital Funding is your trusted partner for strategic financing.

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