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.
Simple steps to help you explore loan options and move forward with confidence.
Purchase, refinance, rehab, construction, rental growth, or owner-occupied financing.
Use the calculator to estimate payments, leverage, rent, and cash-flow direction before you apply.
We align you with the product that fits your deal, timeline, and borrower profile.
Move into the next step with clear communication, strong support, and a clear process.
Business purpose and owner occupied loan options designed for investors, homebuyers, and families.
Qualify using property cash flow instead of personal income. Ideal for scaling rental portfolios.
Learn more →Short-term capital for acquisition plus rehab with speed-focused execution.
Learn more →Ground-up lending with phased planning and builder-minded structure.
Learn more →Flexible multifamily lending for 2–4 units and beyond.
Learn more →Consolidate multiple assets into a single loan for easier management.
Learn more →Rental-focused financing for long-term tenants and short-term stay strategies.
Learn more →Low down payment owner-occupied financing with accessible entry points.
Learn more →Competitive conforming options for homebuyers seeking standard mortgages.
Learn more →Guided options for first-time buyers who need clarity and practical next steps.
Learn more →Zero-down specialty options for qualified veteran and rural borrowers.
Learn more →Mortgage solutions designed to support broader family housing needs.
Learn more →Qualify based on property cash flow, no personal income docs required. Designed for rental investors who want to scale.
A financing option designed to help investors grow rental portfolios with flexible qualification and competitive terms.
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.
Estimate payments, cash flow, and loan scenarios, then connect with the Katy Capital team.
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.
Use these estimates as a starting point, then let KCI tailor the structure to your scenario.
Send us your scenario and we’ll point you toward the right program.
Sponsor meetups and investor events hosted by Katy Capital Investments.
Title companies, insurance partners, brokerages, contractors, sponsorship gives you access to active investors.
For every new borrower you refer who closes a loan with us, you can earn up to $500.
Built for agents, investors, vendors, and partners who want to connect borrowers with a trusted lender.
Talk with Katy Capital Investments about your next purchase, refinance, rental, or construction scenario.
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.
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.
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.
Qualify using property cash flow, no personal income documentation required. Designed for rental investors who want to scale.
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.
Qualification based on the property’s income potential, not your W-2 or tax returns.
Close in an entity name for asset protection and portfolio management.
Streamlined process designed for experienced and first-time investors.
Purchase & rate/term refinance
No seasoning required
Flexible exit strategies
Protects personal credit profile
Competitive investor pricing
Maximize cashflow
Expanded property types
Eligible property types
Select rural markets accepted
Bundle multiple properties
Tap into existing equity
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 DSCRShort-term capital for acquisition and renovation. Speed-focused execution to help you buy, rehab, and sell.
Houston/Indiana program covers up to 100% of purchase and 100% of rehab costs.
No appraisal fee on select programs. Close quickly to secure competitive deals.
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 & FlipGround-up lending with phased draw schedules, builder-minded structure, and strong execution support.
Finance land acquisition and construction costs in a single loan.
Interest-only on drawn amounts helps manage carrying costs throughout the build.
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 ConstructionFlexible multifamily lending for 2–4 units and beyond, with investor-minded underwriting and scalable structure.
Financing for duplexes, triplexes, quads, and larger multifamily properties.
Qualify based on property cash flow. No personal income docs required.
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 MultifamilyRental-focused financing for long-term tenants and short-term stay strategies, including STR-friendly scenarios.
Finance beach houses, cabins, urban Airbnbs, and destination rental properties.
Qualify based on projected rental income, both short-term and long-term.
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 LoanWelcome 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.
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.
Consolidate or finance multiple assets with structures built to simplify scaling and cash-flow management.
Finance 2+ properties under a single portfolio loan for easier management.
Flexible loan amounts designed for growing portfolios at various scales.
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 LoanLending 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, or have questions about how the process works, we’d love to hear from you.
Last updated: March 2026
Katy Capital Investments, LLC (“KCI,” “we,” “us”) collects personal information that you voluntarily provide when you interact with our website, submit loan applications, use our calculators, subscribe to newsletters, or contact us. This may include your name, email address, phone number, property details, loan scenario information, and financial data relevant to your inquiry.
We use your information to respond to loan inquiries, process applications, provide tailored loan guidance, send communications you’ve opted into (including SMS, email, and phone), improve our website and services, and comply with legal and regulatory obligations.
We do not sell your personal information to third parties. We may share your information with lending partners, service providers, and regulatory bodies as necessary to process your loan application or as required by law.
By opting in to receive communications, you consent to receive SMS text messages, emails, and phone calls from KCI regarding loan inquiries, application updates, appointment reminders, and related services. Message and data rates may apply. Reply STOP to opt out of SMS at any time.
We implement reasonable security measures to protect your personal information. However, no method of transmission over the internet is 100% secure.
For questions about this privacy policy, contact us at [email protected] or (832) 321-3648.
Last updated: March 2026
By accessing and using the Katy Capital Investments, LLC (“KCI”) website, you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of this website.
KCI provides loan origination services for both business-purpose investor loans and owner-occupied mortgage products. Owner-occupied products are powered by Loan Factory. All loans are subject to borrower and property qualification, credit approval, and applicable regulatory requirements.
Information provided on this website, including calculator estimates, rate examples, and loan program descriptions, is for informational and illustrative purposes only. Nothing on this website constitutes a loan offer, commitment to lend, rate lock, or guarantee of any terms. Actual loan terms depend on individual circumstances.
All content on this website, including text, graphics, logos, and design elements, is the property of Katy Capital Investments, LLC and is protected by applicable intellectual property laws.
KCI shall not be liable for any damages arising from your use of this website or reliance on information provided herein. This website is provided “as is” without warranties of any kind.
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.
For questions about these terms, contact us at [email protected] or (832) 321-3648.
Relationship-based lending built on trust, experience, and a commitment to helping you close with confidence.
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.
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.
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.
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.
DSCR, fix & flip, new construction, multifamily, portfolio, vacation rental, FHA, conventional, VA/USDA, first-time homebuyer, and growing. One lender, many solutions.
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.”
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.
The people behind every loan, every call, and every closing. Real support from a team that understands your goals.
A comprehensive A–Z reference of real estate investing terms, built for investors at every level.
Books that have shaped the way we think about leadership, negotiation, investing, and building something that lasts.
Negotiation techniques from a former FBI hostage negotiator. Practical frameworks for every deal conversation.
View on Amazon →From effectiveness to greatness. Finding your voice and inspiring others to find theirs.
View on Amazon →A blueprint for planning, preparing, and expecting to win in business and life.
View on Amazon →Small, consistent actions that multiply over time. The foundation of long-term wealth building.
View on Amazon →The classic framework for personal and professional effectiveness that still holds up decades later.
View on Amazon →A guide to financial freedom and navigating market uncertainty with confidence and clarity.
View on Amazon →Following God’s principles while achieving business success. Purpose-driven leadership in action.
View on Amazon →Rate updates, investor insights, and market perspective, delivered straight from the KCI team.
Trusted partners and service providers recommended by the KCI team.
We’re building a curated directory of title companies, insurance providers, contractors, inspectors, and other trusted vendors. Check back soon.
Bring us a competitor’s Loan Term Sheet. If we can’t match or beat it, you get $200 when your loan closes.
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.
From any competing lender on a DSCR deal
Our team reviews and presents our best offer
Better terms or $200 at close
Put your brand in front of Houston’s real estate investor community through KCI-hosted events and meetups.
Sponsor meetups and investor events hosted by Katy Capital Investments. Your brand, your message, in front of active investors.
Title companies, insurance partners, brokerages, contractors, and any vendor who wants credible exposure in a trusted investor environment.
Your sponsorship inquiry has been submitted. We’ll be in touch soon.
Home financing for buyers, families, and self-employed borrowers. FHA, Conventional, VA/USDA, and more, all powered by Loan Factory.
Low down payment options with flexible credit requirements. Ideal for first-time and returning homebuyers looking for an accessible entry point.
Competitive conforming loan options for qualified borrowers seeking standard mortgage terms, strong rates, and predictable payments.
Programs and guidance designed to help first-time buyers navigate the process with confidence, from pre-approval through closing.
Zero down payment options for eligible veterans, active duty service members, and qualified rural borrowers. Competitive rates with reduced fees.
Mortgage solutions that allow borrowers to purchase a home for aging parents, adult children with disabilities, or other qualifying family members.
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.
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-QualifiedOwner-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.
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.
Know someone looking for lending solutions? Refer them to KCI and help them get the financing they need.
Fill out the form below and our team will reach out to your referral. Quick, easy, no obligation.
Your referral has been submitted. Our team will reach out to your friend shortly.