Nationwide Real Estate Lending

Your capital partner for every deal.

We connect real estate investors with the right financing — fast. From DSCR rentals to fix-and-flip and bridge loans, we shop the market so you don't have to.

No W-2s
Income docs not required
0.75 DSCR
Minimum ratio accepted
620+
Credit as low as 620
3–4 Weeks
Typical funding timeline
Loan Products
Nationwide coverage Multiple lender relationships Investor-focused underwriting Fast, reliable closings

Why Kinship

The way lending should work.

We handle the legwork — vetting lenders, structuring deals, and managing the process — so you can stay focused on your investment.

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We shop the market for you

No jumping between lenders. We leverage our network to find the most competitive terms for your deal.

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Creative deal structuring

Not every deal fits a standard box. We find solutions where others see dead ends.

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Investor-first underwriting

We qualify on the property's cash flow — not your W-2 or personal income docs.

Speed you can count on

Our in-house team moves fast. Same-day review, clear timelines, no runaround.

Loan Products

Built for real estate investors.

Three core products covering every major investor strategy — matched to the right lender with competitive terms.

DSCR Loan

Long-term rental financing based on the property's income — no personal income docs required.

Max LTV
85%
Loan Amount
$50K – $4M
Term
5–40 years
Min Credit
620
Min DSCR
0.75

Fix & Flip

Short-term acquisition and rehab financing for investors moving fast on value-add opportunities.

Max LTV
80%
Loan Amount
$50K – $5M+
Term
6–12 months
Min Credit
620

Bridge Loan

Flexible short-term capital to bridge the gap between acquisition and permanent financing.

Max LTV
93.5%
Loan Amount
$150K – $5M+
Term
6–24 months
Min Credit
680

* Ranges shown are based on a network of lenders and are not guaranteed. Final terms are subject to qualification, property type, credit profile, and lender approval.

How It Works

Simple from start to funded.

Three steps. One point of contact. No runaround.

1

Submit your deal

Tell us about your scenario. We review it the same day and reach out with your options.

2

We find the right fit

We match your deal to the right lender, negotiate the terms, and walk you through everything.

3

Close and scale

We get you to the table — and stay your lending partner for every deal that follows.

We don't just find you a loan. We find you the right one.

Most investors waste time shopping lenders, comparing rates, and trying to figure out which product fits their deal. We do that work for you — leveraging relationships with a network of competitive lenders to make sure you're never leaving money on the table.

Tailored to your deal

We take the time to understand your strategy, timeline, and exit before we ever reach out to a lender.

Competitive lender network

Our relationships mean you get access to rates and terms that most investors can't find on their own.

Built on trust, not transactions

We're a family-owned company. We care about the long game — your portfolio, not just your next closing.

Get Started

Submit your deal.

Tell us about your scenario and we'll come back with lending options — usually within one business day.

Submit your deal →

Or reach us directly at info@kinshipcommercial.com or (949) 307-4896 (call or text).