Boutique Lending for Investors & Businesses

Real estate, construction, working capital, and growth financing

Loan Estimate

Financing solutions built for investors and growing businesses.

Real estate loans, working capital, construction financing & more.

AVAILABLE PRODUCTS

We Offer Residential Loan Products for Construction and Rental Properties

Ground Up Construction

Build new homes with 1-4 units. Townhomes/Condos 5-25 Units. Up to 90% LTC and 70% LTV. For professional developers, contractors & investors with prior ground up experience.

DETAILS

DSCR Rentals

DSCR loan for both long-term and short-term (Airbnb) rental properties. Qualify based on your property’s cash flow, not your income. Minimum .70x DSCR.

DETAILS

Fix & Flip

Purchase, renovate, and rent/sell non-owner occupied homes with 1-4 units. 12-24 month terms, 90% of purchase & 100% construction cost.

DETAILS

Build to Rent (Florida only)

Construction to permanent on investment properties. As little as 20% down. One time close for both the construction AND permanent rental financing. (Must use qualified GC)

DETAILS

HELOC

Home Equity Line of Credit eligible for primary, secondary AND investment properties. Full Doc up to 50% DTI OR Business Bank Statement program.

Stabilizing Bridge

To provide bridge financing on a property that was recently renovated or constructed and is currently/soon to be listed for sale. Up to 70% LTV.

DETAILS

GROW YOUR BUSINESS

Grow Your Business With A Small Business Loan or Commercial Financing

SBA Business Loan

If a small business needs financing for a legitimate business purpose to grow and succeed, I can help!

DETAILS

Payroll Funding

Keep your employees paid on time — even when your customers take 30, 60, or 90 days to pay invoices.

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A/R Financing

Access FAST cash flow and turn your unpaid invoices into working capital without waiting 30, 60, or 90 days to get paid.

DETAILS

Commercial Rental Loans

Mixed use, 5+ multifamily, warehouses etc. Please email me a scenario and I will let you know what I can do!

GALLERY

Recently Completed Projects

New Construction Home Funded by Keck Capital

INVESTOR RESOURCE CENTER

Insights. Education.
Smarter Investments.

Real insights from the deals we see every day. Market updates, financing strategies, and investor education to help you build wealth through real estate.

BROWSE BY TOPIC

Would I Finance This Ground-Up Construction Project in Port Charlotte?

One of the questions I hear all the time is, “Should I pay cash for my next project, or should I leverage what I already own?” If you’ve followed me for a while, you probably know my answer… I’d rather see your money working for you than sitting inside one property.

NAOMI'S INVESTOR NOTEBOOK

5 days ago6 min read

NAOMI'S INVESTOR NOTEBOOK

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Naomi's Investor Notebook

Real deals. Real talk. Weekly insight from my desk.

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Market Updates

What's happening in the markets we lend in right now.

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DSCR Investing

Everything you need to build an grow your rental portfolio.

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Ground Up Academy

Learn the ground up construction process from land to keys.

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Fix & Flip Academy

Learn the fix & flip process from start to sold (or hold!)

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City Investment Guides

Local insights. Top neighborhoods. Market overviews.

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Investor Education

Strategies, concepts and fundamentals every investor should know.

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Latest Articles

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Fix and Flip Loans for Atlanta Investors

Atlanta is one of those markets where opportunity and competition sit at the same table. Investors can find value-add properties, but the winning investors usually know their numbers before they walk the property. If you are looking at this market, the goal is not just to buy something that looks cheap. The goal is to buy something with a clear path to profit, a realistic renovation plan, and financing that does not slow you down right when the deal gets good.

10 hours ago4 min read

How to Finance an Investment Property in Dallas

Dallas is not one market. It is a whole investment ecosystem. A property in Oak Cliff, Garland, Irving, Plano, Arlington, Mesquite, or Fort Worth can tell a very different story. That is exactly why financing and local market knowledge need to work together. If you are looking at this market, the goal is not just to buy something that looks cheap.

3 days ago4 min read

The Best Neighborhoods to Flip Houses in Orlando

Orlando is more than theme parks and vacation headlines. For investors, it is a collection of very different submarkets where renovation demand, rental strength, and resale expectations can shift quickly from one zip code to the next. If you are looking at this market, the goal is not just to buy something that looks cheap. The goal is to buy something with a clear path to profit, a realistic renovation plan, and financing that does not slow you down right when the deal gets

4 days ago4 min read

Would I Finance This Ground-Up Construction Project in Port Charlotte?

5 days ago6 min read

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ABOUT KECK CAPITAL

Loan solutions for experienced developers, contractors & real estate professionals

Hi! Naomi here. I am a the founder & Loan Originator for Keck Capital, a boutique private lender and mortgage brokerage located in sunny Cape Coral, Florida. I specialize in creating loan programs for non-owner occupied residential properties across the USA with a focus on ground up construction, fix & flip, and rental (DSCR) loans.

My mission is to enable developers, contractors, and real estate investors to grow their portfolios, improve cash flow, and build wealth. I've built this business one loan at a time and every Borrower is unique and important to me. I can’t wait to meet you and help you achieve your business goals!

Sincerely,
Naomi Keck