Monthly Real Estate Wisdom Network, Join the Meetup →
Direct
Support
Fast
Decision Speed
Investor
Focused
Texas
Roots
Nationwide
Reach
How It Works

How to get started

Simple steps to help you explore loan options and move forward with confidence.

1

Choose Your Strategy

Purchase, refinance, rehab, construction, rental growth, or owner-occupied financing.

2

Review Your Numbers

Use the calculator to estimate payments, leverage, rent, and cash-flow direction before you apply.

3

Get Matched Fast

We align you with the product that fits your deal, timeline, and borrower profile.

4

Move Forward

Move into the next step with clear communication, strong support, and a clear process.

Loan Products

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 →
Owner-occupied products powered by Loan Factory
Featured Program

DSCR Rental Lending

Qualify based on property cash flow, no personal income docs required. Designed for rental investors who want to scale.

85%Max LTV Purchase
LLCFriendly
I/OInterest Only Options
Apply for DSCR
Investor Favorite

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
★ Meet or Beat Guarantee

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.

Loan Calculator

Run the numbers before you apply

Estimate payments, cash flow, and loan scenarios, then connect with the Katy Capital team.

Built for fast decisions

Mortgage + investor calculator

Specialized calculators for each loan type. Use these estimates as a starting point.

Max ~85% LTV per KCI guidelines

⚠ 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.

Referrals are for DSCR loans only. Contact KCI for program details and eligibility.
Get Started

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.

FastInitial guidance
1-on-1Dedicated support
NationwideSelect markets
Event Sponsorship

Put your brand in front of Houston’s investor network

Sponsor meetups and investor events hosted by Katy Capital Investments.

LocalInvestor audience
PremiumBrand placement
DirectAccess
Ask About Sponsorship
Why Sponsor

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
Referral Program

Refer a borrower. Close a loan. Get paid.

Referral Program
Up to
$500

For every new borrower you refer who closes a loan with us, you can earn up to $500.

ReferSend qualified borrowers
CloseThey close with KCI
EarnReceive up to $500
RepeatKeep sharing
How It Works

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
Referrals are for DSCR loans only. Call for details or email us to learn how the referral process works.
Ready to Start?

Let’s find the right loan for you

Talk with Katy Capital Investments about your next purchase, refinance, rental, or construction scenario.

Keep up with KCI

Stay in touch for rate updates, investor insights, and event announcements.

About Us

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.

Our Story

From Houston to Nationwide

Founded in the Houston area, Katy Capital Investments 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.

KCI Team Members

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
Investor Loan Product

DSCR Loans

Qualify using property cash flow, no personal income documentation required. Designed for rental investors who want to scale.

★ Meet or Beat Guarantee

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 DSCR
Referrals are for DSCR loans only. Contact KCI for program details and eligibility.
Investor Loan Product

Fix & 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 & Flip
Investor Loan Product

New 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 Construction
Investor Loan Product

Multifamily 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 Multifamily
Vacation Rentals & Investor Loans

Long-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 Loan
Welcome Home Vacation Rentals

Your 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.

Lago Vista Villas

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.

Guest Capacity Spacious layout for families and groups
Bedrooms & Baths Multiple bedrooms and full baths
Lago Vista, TX Right off Lake Travis

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.

Call us for KCI’s client special rate! (832) 321-3648
Investor Loan Product

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 Loan
Private Lending

Invest Smarter

Lending money against real estate is an age-old practice. Learn how private investors can earn returns through real estate-secured lending.

SecuredBacked by real property
PassiveEarn returns on capital
FlexibleVarious deal structures

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, or have questions about how the process works, we’d love to hear from you.

Legal

Privacy Policy

Last updated: March 2026

Legal

Terms of Service

Last updated: March 2026

Why KCI

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.”

Education & Community

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.

Our Team

Meet the Team

The people behind every loan, every call, and every closing. Real support from a team that understands your goals.

The KCI Team

Our People

Richard Bresler

CEO/President

Jonathan Wells

Senior Account Executive

Omid Pourgoshtasbi

Account Executive

Frank Ramirez

Account Executive

Erik Ramirez

Account Executive

Jaime Ramirez

Account Executive

Rebeca Ramirez

Account Executive

Rosy Ramirez

Office Manager

Alicia Mares

Marketing Department

Alexis Garza

Marketing Department

Tyler Moore

Valuations Department

Resources

Real Estate
Glossary

A comprehensive A–Z reference of real estate investing terms, built for investors at every level.

Resources

KCI Newsletter

Rate updates, investor insights, and market perspective, delivered straight from the KCI team.

Resources

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.

Programs

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.

★ Meet or Beat Guarantee

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.

1

Submit a Term Sheet

From any competing lender on a DSCR deal

2

We Compete

Our team reviews and presents our best offer

3

You Win Either Way

Better terms or $200 at close

Programs

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. 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 Loan Products

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?

GuidedProcess from pre-qual to close
FastPre-approval turnaround
FlexibleMultiple program options
PersonalDedicated loan officer support

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 connects you with the right solution through our owner-occupied lending partnership.

Get Pre-Qualified
Powered by Loan Factory

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 Started

Get Pre-Qualified

Tell us a little about your deal and we will get you matched with the right loan product quickly.

Pre-Qualification Intake

Fill out the form below and our team will reach out with your options. No obligation, no hard credit pull.

No obligation. No hard credit pull. A team member will contact you promptly.

We received your information

A member of the Katy Capital team will review your submission and reach out to you shortly. Thank you for choosing KCI.

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.

Referral Program

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

Fill out the form below and our team will reach out to your referral. Quick, easy, no obligation.


Thank You!

Your referral has been submitted. Our team will reach out to your friend shortly.