Financing for every scenario.
Okay, almost every scenario.
From first-time homebuyers to seasoned investors, we offer financing across a wide range of property and borrower scenarios.
Tell us your goal and we’ll point you to the right product, structure, and next step in minutes.
No obligation. Fast guidance. Built for investor and owner-occupied scenarios.
How to get started
Simple steps to help you explore loan options and move forward with confidence.
Choose Your Strategy
Purchase, refinance, rehab, construction, rental growth, or owner-occupied financing.
Review Your Numbers
Use the calculator to estimate payments, leverage, rent, and cash-flow direction before you apply.
Get Matched Fast
We align you with the product that fits your deal, timeline, and borrower profile.
Move Forward
Move into the next step with clear communication, strong support, and a clear process.
Explore Our Loan Products
Business purpose and owner occupied loan options designed for investors, homebuyers, and families.
DSCR Loans
Qualify using property cash flow instead of personal income. Ideal for scaling rental portfolios.
Learn more →Fix & Flip
Short-term capital for acquisition plus rehab with speed-focused execution.
Learn more →New Construction
Ground-up lending with phased planning and builder-minded structure.
Learn more →Multifamily
Flexible multifamily lending for 2–4 units and beyond.
Learn more →Portfolio Loans
Consolidate multiple assets into a single loan for easier management.
Learn more →Vacation Rentals
Rental-focused financing for long-term tenants and short-term stay strategies.
Learn more →FHA
Low down payment owner-occupied financing with accessible entry points.
Learn more →Conventional
Competitive conforming options for homebuyers seeking standard mortgages.
Learn more →First-Time Home Buyer
Guided options for first-time buyers who need clarity and practical next steps.
Learn more →VA / USDA
Zero-down specialty options for qualified veteran and rural borrowers.
Learn more →Family Opportunity
Mortgage solutions designed to support broader family housing needs.
Learn more →DSCR Rental Lending
Qualify based on property cash flow, no personal income docs required. Designed for rental investors who want to scale.
Scale your rentals with clearer numbers
A financing option designed to help investors grow rental portfolios with flexible qualification and competitive terms.
- Up to 85% LTV purchase & rate/term
- Up to 80% LTV cash out refinance
- Interest only payment options available
- LLC and entity-friendly closings
Bring us a competitor Loan Term Sheet
If KCI can’t beat or match it, when the loan closes you score $200! Contact us at (832) 321-3648 or [email protected]
Meet or Beat Guarantee applies to broker-originated deals only. Direct lender offers are not eligible. Terms apply.
Run the numbers before you apply
Estimate payments, cash flow, and loan scenarios, then connect with the Katy Capital team.
Mortgage + investor calculator
Specialized calculators for each loan type. Use these estimates as a starting point.
⚠ Important Disclaimer This calculator is for illustrative purposes only. Rates, payments, DSCR ratios, and all figures shown are examples only and do not constitute an offer to lend. Actual terms vary based on qualifications, property, and market conditions. Equal Housing Lender.
Ready to run your deal?
Use these estimates as a starting point, then let KCI tailor the structure to your scenario.
Get a tailored quote
Send us your scenario and we’ll point you toward the right program.
Put your brand in front of Houston’s investor network
Sponsor meetups and investor events hosted by Katy Capital Investments, LLC.
Credible exposure in a trusted investor environment
Title companies, insurance partners, brokerages, contractors, sponsorship gives you access to active investors.
- Brand visibility tied to real investor activity
- Flexible sponsorship based on fit and event type
Refer a borrower. Close a loan. Get paid.
$500
For every new borrower you refer who closes a loan with us, you can earn up to $500.
Know someone who needs a loan?
Built for agents, investors, vendors, and partners who want to connect borrowers with a trusted lender.
- Refer investor or owner-occupied borrowers
- We guide them through the right loan options
- When the loan closes, you earn up to $500
Let’s find the right loan for you
Talk with Katy Capital Investments, LLC about your next purchase, refinance, rental, or construction scenario.
Real people.
Real expertise.
We bring decades of real-world investing experience to every deal, helping clients make smarter decisions and move faster in competitive markets.
Katy Capital Investments, LLC is a trusted partner for real estate investors looking to grow, scale, and succeed with confidence. Based in Katy, Texas, we bring decades of real-world investing experience to every deal, helping clients make smarter decisions and move faster in competitive markets.
Since 1985, our team has been actively investing in real estate, giving us a deep understanding of what it takes to build and sustain a profitable portfolio. Today, we provide lending solutions designed specifically for investors, combining flexibility, speed, and practical insight you won’t find with traditional lenders.
Whether you’re focused on short-term projects or long-term wealth building, our financing options are built to support your strategy at every stage. We don’t just fund deals, we help you evaluate them, structure them, and execute with confidence.
Education is at the core of what we do. Our goal is to equip you with the tools, knowledge, and guidance needed to make informed decisions and achieve financial independence. From your first deal to scaling a portfolio, we’re with you every step of the way.
At KCI, we believe real estate investing should be both strategic and accessible. With a focus on integrity, transparency, and long-term relationships, we’re committed to helping you unlock the full potential of your investments.
From Houston to Nationwide
Founded in the Houston area, Katy Capital Investments, LLC was built on the belief that every borrower deserves fast, transparent, and reliable loan guidance. Whether you’re a first-time investor looking to flip your first property, an experienced portfolio builder scaling your rentals, or a family buying your first home, KCI is designed to meet you where you are.
Mission & Values
Our mission is to provide clear, honest lending solutions that empower borrowers to make confident decisions. We believe in transparency, speed, and building long-term relationships.
- Transparency in every interaction
- Speed-focused execution
- Relationships over transactions
DSCR Loans
Qualify using property cash flow, no personal income documentation required. Designed for rental investors who want to scale.
Bring us a competitor Loan Term Sheet
If KCI can’t beat or match it, when the loan closes you score $200! Call (832) 321-3648 or email [email protected]
Meet or Beat Guarantee applies to broker-originated deals only. Direct lender offers are not eligible. Terms apply.
Cash Flow Focus
Qualification based on the property’s income potential, not your W-2 or tax returns.
LLC Friendly
Close in an entity name for asset protection and portfolio management.
Fast Execution
Streamlined process designed for experienced and first-time investors.
Key DSCR Program Highlights
Up to 85% LTV
Purchase & rate/term refinance
Up to 80% LTV Cash Outs
No seasoning required
No Prepayment Penalty Options Available
Flexible exit strategies
Not Reported on Credit
Protects personal credit profile
Lowest Rates Available
Competitive investor pricing
Interest Only Options Available
Maximize cashflow
1–4 & 5–10 Unit Multifamily
Expanded property types
Manufactured Homes
Eligible property types
Rural Properties
Select rural markets accepted
Portfolio Loans
Bundle multiple properties
Investor HELOCs
Tap into existing equity
Second Mortgages
Additional leverage options
DSCR loans are ideal for investors who want to scale their rental portfolios, refinance existing properties, or transition from fix-and-flip into long-term holds. Whether you’re financing a single-family rental, a duplex, or a vacation property, DSCR lending gives you a path to growth.
Apply for DSCRFix & Flip Loans
Short-term capital for acquisition and renovation. Speed-focused execution to help you buy, rehab, and sell.
100% Purchase + Rehab
Houston/Indiana program covers up to 100% of purchase and 100% of rehab costs.
Fast Funding
No appraisal fee on select programs. Close quickly to secure competitive deals.
Available in Select Markets
Nationwide program available with competitive rates and terms up to 12 months.
Whether you need help purchasing the property, funding the rehab, or both, KCI has you covered from start to finish. Our fix-and-flip loans are built for investors who move fast and need capital that keeps pace.
Apply for Fix & FlipNew Construction
Ground-up lending with phased draw schedules, builder-minded structure, and strong execution support.
Ground-Up Financing
Finance land acquisition and construction costs in a single loan.
Phased Draws
Interest-only on drawn amounts helps manage carrying costs throughout the build.
Up to 100% Construction
KCI finances up to 100% of construction costs on qualifying projects.
From lot acquisition to vertical build, KCI provides the lending structure and milestone-based draws to keep your project moving forward efficiently.
Apply for New ConstructionMultifamily Loans
Flexible multifamily lending for 2–4 units and beyond, with investor-minded underwriting and scalable structure.
2–10+ Units
Financing for duplexes, triplexes, quads, and larger multifamily properties.
DSCR Eligible
Qualify based on property cash flow. No personal income docs required.
Portfolio Friendly
Structure multiple multifamily assets into a single portfolio loan.
Whether you’re acquiring your first duplex or adding to an existing multifamily portfolio, KCI provides the lending structure and guidance to help you scale efficiently.
Apply for MultifamilyLong-Term &
Vacation Rentals
Rental-focused financing for long-term tenants and short-term stay strategies, including STR-friendly scenarios.
STR Friendly
Finance beach houses, cabins, urban Airbnbs, and destination rental properties.
DSCR Eligible
Qualify based on projected rental income, both short-term and long-term.
Available in Select Markets
Flexible terms for vacation and rental properties in qualifying areas.
Whether you’re investing in a beach house, mountain cabin, or urban short-term rental, KCI offers financing structured for the vacation rental investor. Combine DSCR qualification with flexible terms to unlock STR income.
Apply for Vacation Rental LoanYour Home Away from Home
Welcome Home Vacation Rentals provides all the comfort and convenience you need at your home away from home. Whether it’s for a family vacation, business travel, or a weekend getaway.
Vela Villa, Lago Vista, TX
Stay at one of our vacation home locations right off Lake Travis in Lago Vista, TX. Whether you’re looking to spend time with family or planning a weekend escape, this villa will fit your needs.
The Vela Villa offers a peaceful retreat just minutes from Lake Travis. Designed with comfort in mind, every detail, from the open living spaces to the private outdoor areas, is meant to help you relax and recharge.
Whether you’re booking for a long weekend with family or a midweek reset, this property delivers the experience you’re looking for, clean, comfortable, and ready for you on arrival.
Book with a team that understands hospitality from both sides of the deal. At KCI, we’ve seen it all, as investors, lenders, and operators. That perspective shows in every property we manage.
Portfolio Loans
Consolidate or finance multiple assets with structures built to simplify scaling and cash-flow management.
Multi-Property
Finance 2+ properties under a single portfolio loan for easier management.
$50K–$2M Range
Flexible loan amounts designed for growing portfolios at various scales.
Simplified Scaling
One loan, one payment, one relationship, built for efficiency.
Consolidate multiple rental properties or investment assets under one loan to simplify management and improve cash flow visibility.
Apply for Portfolio LoanInvest Smarter
Lending money against real estate is an age-old practice. Learn how private investors can earn returns through real estate-secured lending.
While traditionally done by banks and financial institutions, private real estate lending is an avenue that individual investors can use to generate returns on their own capital. Done correctly, real estate-secured lending can be both a lower-risk and higher-returning investment that benefits both borrower and lender.
If you want to learn more about private lending opportunities with Katy Capital Investments, LLC, or have questions about how the process works, we’d love to hear from you.
Privacy Policy
Last updated: March 2026
1. Introduction
Welcome to Katy Capital Investments, LLC. We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at [email protected].
When you visit our website www.katycapitalinvestments.com and more generally, use any of our services (the “Services”, which include the Website), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it.
Please read this privacy policy carefully, as it will help you understand what we do with the information that we collect.
2. What Information Do We Collect?
We collect personal information that you voluntarily provide to us when you register on the Website, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Website, or otherwise when you contact us.
The personal information that we collect depends on the context of your interactions with us and the Website, the choices you make, and the products and features you use. The personal information we collect may include the following:
Personal Information Provided by You. We collect names; phone numbers; email addresses; mailing addresses; job titles; contact preferences; and other similar information.
Payment Data. We may collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument.
3. How Do We Use Your Information?
We use personal information collected via our Website for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations.
We use your information to: facilitate account creation and logon process; send administrative information to you; fulfill and manage your orders; post testimonials; deliver and facilitate delivery of services to the user; respond to user inquiries and offer support to users; send you marketing and promotional communications; deliver targeted advertising to you; and for other business purposes.
4. Will Your Information Be Shared With Anyone?
We may process or share your data that we hold based on the following legal basis:
Consent: We may process your data if you have given us specific consent to use your personal information for a specific purpose.
Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.
Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.
Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.
Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, and illegal activities.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
SMS Opt-In
By providing your phone number and opting in through our forms, checkboxes, or other communication channels, you consent to receive SMS messages from Katy Capital Investments, LLC. Consent to receive SMS messages is not a condition of purchase.
5. Cookies and Similar Technologies
We use cookies and similar tracking technologies on our Website to help customize the Website and improve your experience. A cookie is a small file placed on your device that enables various features and functionality.
Types of Cookies We Use
Essential Cookies: These cookies are essential for enabling user movement around our Website and providing access to features such as your profile, purchases, and other secure areas of the Website. This category of cookies cannot be disabled.
Analytics and Performance Cookies: These cookies are used to collect information about traffic to our Website and how users use our Website. The information gathered does not identify any individual visitor and is aggregated.
Functionality Cookies: These cookies remember choices you make such as language preference, country location, or other online settings and provide personalized or enhanced features that you select.
Targeting and Advertising Cookies: These cookies track your browsing habits and location to provide you with advertising in line with your interests.
Your Choices Regarding Cookies
If you prefer to avoid the use of cookies on the Website, you can disable the use of cookies in your browser settings. Please note that disabling cookies may affect the functionality of the Website.
6. How Do We Handle Your Social Logins?
If you choose to register or log in to our services using a social media account, we may have access to certain information about you.
7. How Long Do We Keep Your Information?
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law.
8. How Do We Keep Your Information Safe?
We aim to protect your personal information through a system of organizational and technical security measures.
9. Do We Collect Information from Minors?
We do not knowingly solicit data from or market to children under 18 years of age.
10. What Are Your Privacy Rights?
You have certain rights regarding your personal information, subject to local data protection laws.
11. Controls for Do-Not-Track Features
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected.
12. Do California Residents Have Specific Privacy Rights?
If you are a resident of California, you are granted specific rights regarding access to your personal information.
13. Do We Make Updates to This Policy?
We may update this privacy policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible.
14. How Can You Contact Us About This Policy?
If you have questions or comments about this policy, you may email us at [email protected] or call (832) 321-3648.
Terms and Conditions
Last updated: March 2026
Welcome to Katy Capital Investments, LLC!
These terms and conditions outline the rules and regulations for the use of Katy Capital Investments, LLC’s Website, located at www.katycapitalinvestments.com.
By accessing this website we assume you accept these terms and conditions. Do not continue to use Katy Capital Investments, LLC if you do not agree to take all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of us.
Cookies
We employ the use of cookies. By accessing Katy Capital Investments, LLC, you agreed to use cookies in agreement with the Katy Capital Investments, LLC Privacy Policy.
Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.
License
Unless otherwise stated, Katy Capital Investments, LLC and/or its licensors own the intellectual property rights for all material on Katy Capital Investments, LLC.
All intellectual property rights are reserved. You may access this from Katy Capital Investments, LLC for your own personal use subjected to restrictions set in these terms and conditions.
You must not: Republish material from Katy Capital Investments, LLC; Sell, rent or sub-license material from Katy Capital Investments, LLC; Reproduce, duplicate or copy material from Katy Capital Investments, LLC; Redistribute content from Katy Capital Investments, LLC.
This Agreement shall begin on the date hereof.
Comments
Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. Katy Capital Investments, LLC does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of Katy Capital Investments, LLC, its agents and/or affiliates.
Katy Capital Investments, LLC reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.
You hereby grant Katy Capital Investments, LLC a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.
Hyperlinking to Our Content
The following organizations may link to our Website without prior written approval: Government agencies; Search engines; News organizations; Online directory distributors; and System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.
These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.
If you are interested in linking to our website, you must inform us by sending an e-mail to [email protected]. Please include your name, your organization name, contact information as well as the URL of your site.
iFrames
Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.
Content Liability
We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.
Reservation of Rights
We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.
SMS Communications
By opting in, you agree to receive SMS messages from Katy Capital Investments, LLC, which may include appointment reminders, service updates, notifications, account-related messages, and promotional communications.
Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message. After opting out, you will no longer receive SMS communications from us.
Message and Data Rates: Message and data rates may apply depending on your mobile carrier and plan.
Carrier Disclaimer: Mobile carriers are not liable for delayed or undelivered messages.
Age Restriction: You must be at least 18 years old to use our services and to opt in to receive SMS communications.
ECOA
Katy Capital Investments, LLC is an Equal Opportunity Lender. We comply with the Equal Credit Opportunity Act and do not discriminate in any aspect of a credit transaction on any basis prohibited by applicable law.
Disclaimer
To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website.
Nothing in this disclaimer will: limit or exclude our or your liability for death or personal injury; limit or exclude our or your liability for fraud or fraudulent misrepresentation; limit any of our or your liabilities in any way that is not permitted under applicable law; or exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.
As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
Contact
If you have questions or comments about these terms, you may email us at [email protected] or call (832) 321-3648.
You find them,
we fund them.
Relationship-based lending built on trust, experience, and a commitment to helping you close with confidence.
Relationship-First Lending
We don’t just process files, we build long-term partnerships. Every borrower gets a dedicated point of contact who understands your strategy and goals.
Speed When It Matters
Competitive deals don’t wait. Our process is designed to move fast on pre-quals, term sheets, and closings so you don’t lose the deal.
Deep Market Knowledge
Our team has been actively investing in real estate since 1985. We don’t just talk lending, we understand the deals, the numbers, and the strategies firsthand.
Texas Roots, National Reach
Based in the Houston area with programs available in select markets nationwide. We combine local trust with broad access to investor and owner-occupied products.
11+ Financing Programs
DSCR, fix & flip, new construction, multifamily, portfolio, vacation rental, FHA, conventional, VA/USDA, first-time homebuyer, and growing. One lender, many solutions.
Transparency & Integrity
No surprises, no bait-and-switch. We give you clear terms, honest guidance, and real answers, even when the answer is “this isn’t the right fit.”
We invest in your growth
KCI hosts a weekly real estate meetup, shares investor education through our newsletter and glossary, and provides tools like our loan calculator to help you make informed decisions before you ever pick up the phone.
Meet the Team
The people behind every loan, every call, and every closing. Real support from a team that understands your goals.
Our People
Real Estate
Glossary
A comprehensive A–Z reference of real estate investing terms, built for investors at every level.
Recommended
Reading
Books that have shaped the way we think about leadership, negotiation, investing, and building something that lasts.
Never Split the Difference
Negotiation techniques from a former FBI hostage negotiator. Practical frameworks for every deal conversation.
View on Amazon →The 8th Habit
From effectiveness to greatness. Finding your voice and inspiring others to find theirs.
View on Amazon →Born to Win
A blueprint for planning, preparing, and expecting to win in business and life.
View on Amazon →The Compound Effect
Small, consistent actions that multiply over time. The foundation of long-term wealth building.
View on Amazon →The 7 Habits of Highly Effective People
The classic framework for personal and professional effectiveness that still holds up decades later.
View on Amazon →Unshakeable
A guide to financial freedom and navigating market uncertainty with confidence and clarity.
View on Amazon →God Is My CEO
Following God’s principles while achieving business success. Purpose-driven leadership in action.
View on Amazon →KCI Newsletter
Rate updates, investor insights, and market perspective, delivered straight from the KCI team.
Vendor Directory
Trusted partners and service providers recommended by the KCI team.
Coming Soon
We’re building a curated directory of title companies, insurance providers, contractors, inspectors, and other trusted vendors. Check back soon.
Meet or Beat
Guarantee
Bring us a competitor’s Loan Term Sheet. If we can’t match or beat it, you get $200 when your loan closes.
How it works
Submit a valid Loan Term Sheet from another lender. Our team will review it and present our best competing offer. If KCI can’t beat or match the terms, and you close your loan with us, we’ll send you $200.
Meet or Beat Guarantee applies to broker-originated deals only. Direct lender offers are not eligible. Terms apply.
Submit a Term Sheet
From any competing lender on a DSCR deal
We Compete
Our team reviews and presents our best offer
You Win Either Way
Better terms or $200 at close
Become a Sponsor
Put your brand in front of Houston’s real estate investor community through KCI-hosted events and meetups.
Event Sponsorship
Sponsor meetups and investor events hosted by Katy Capital Investments, LLC. Your brand, your message, in front of active investors.
- Local investor audience
- Premium brand placement
- Direct access to network
Who Should Sponsor
Title companies, insurance partners, brokerages, contractors, and any vendor who wants credible exposure in a trusted investor environment.
- Flexible formats based on fit
- Aligned with real investor activity
- Ongoing partnership opportunities
Interested? Let’s Talk
Thank You!
Your sponsorship inquiry has been submitted. We’ll be in touch soon.
Owner Occupied
Programs
Home financing for buyers, families, and self-employed borrowers. FHA, Conventional, VA/USDA, and more, all powered by Loan Factory.
FHA Loans
Low down payment options with flexible credit requirements. Ideal for first-time and returning homebuyers looking for an accessible entry point.
Conventional
Competitive conforming loan options for qualified borrowers seeking standard mortgage terms, strong rates, and predictable payments.
First-Time Home Buyer
Programs and guidance designed to help first-time buyers navigate the process with confidence, from pre-approval through closing.
VA / USDA
Zero down payment options for eligible veterans, active duty service members, and qualified rural borrowers. Competitive rates with reduced fees.
Family Opportunity
Mortgage solutions that allow borrowers to purchase a home for aging parents, adult children with disabilities, or other qualifying family members.
Bank Statement / P&L
Self-employed or non-traditional income? Qualify using 12 or 24 months of bank statements or a CPA-prepared profit and loss statement instead of tax returns.
Why Choose KCI for Owner Occupied?
Whether you are purchasing your first home, upgrading to a larger space, or exploring specialty programs like VA, USDA, or bank statement loans, Katy Capital Investments, LLC connects you with the right solution through our owner-occupied lending partnership.
Get Pre-Qualified
Owner-occupied mortgage products on this page are originated through Loan Factory, a licensed mortgage lender.
Loan Factory NMLS #320841
Loan Factory is an Equal Housing Lender. All loans subject to credit approval, underwriting, and applicable regulatory requirements.
Get Pre-Qualified
Tell us a little about your deal and we will get you matched with the right loan product quickly.
Copyright © 2026 Katy Capital Investments, LLC. All Rights Reserved.
Katy Capital Investments, LLC (“Katy Capital”) provides financing, investment, and related services for business and investment purposes only, and not for personal, family, or household use. Any products, services, programs, loan scenarios, term discussions, rate discussions, or preliminary analyses described by Katy Capital are for informational purposes only and do not constitute an offer to lend, a commitment to lend, an approval, or a legally binding agreement.
Any rates, terms, structures, loan amounts, fees, or projected returns are illustrative only, may vary based on borrower qualifications, property type, collateral, market conditions, and underwriting criteria, and are subject to change without notice. All transactions are subject to Katy Capital’s internal review, underwriting, due diligence, compliance requirements, legal review, and final approval.
Katy Capital does not guarantee that any applicant, borrower, investor, broker, or referral source will qualify for any product or program. Eligibility for funding, participation, or investment opportunities is determined in Katy Capital’s sole discretion and may be conditioned on additional documentation, verification, fraud screening, background review, entity review, appraisal or valuation review, title review, and other conditions deemed appropriate by Katy Capital.
Nothing on this website, in any communication, or in any marketing material shall be construed as legal, tax, accounting, securities, or investment advice. Prospective borrowers, investors, and business partners should consult their own legal, tax, financial, and other professional advisors before entering into any transaction.
Katy Capital may operate only in jurisdictions where it is lawfully permitted to do so. Certain products and services may not be available in all states or to all persons or entities. It is the responsibility of each applicant, borrower, investor, broker, and referral source to ensure compliance with all applicable federal, state, and local laws and regulations.
Submission of information to Katy Capital does not create a fiduciary, advisory, partnership, joint venture, agency, employment, or brokerage relationship unless expressly set forth in a separate written agreement signed by Katy Capital. Any transaction-related relationship shall be governed solely by definitive written agreements executed by the applicable parties.
Past performance, projected performance, pro forma results, or hypothetical returns are not guarantees of future results. Any investment opportunity involves risk, including the possible loss of principal. No representation or warranty is made regarding the accuracy, completeness, or reliability of any third-party information, market data, property information, borrower-provided information, or forward-looking statements.
Katy Capital reserves the right to modify, suspend, or discontinue any product, program, referral arrangement, or offering at any time without notice. Additional terms, conditions, restrictions, and eligibility requirements may apply.
Refer a Friend
Know someone looking for lending solutions? Refer them to KCI and help them get the financing they need.
Refer Someone to KCI
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