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Low fixed rates

Up to 30-year FULL AMORTIZATION (No balloons or calls)

5 Years Interest Only

No replacement reserve impounds collected- you control when you make the repairs and what you repair

Nationwide Lending

Dedicated KC Capital TEAM has the experience to overcome the most challenging obstacles and close your loan

The best CUSTOMER SERVICE and support in the industry, and we can prove it! Just listen to these satisfied customers: Click Here

Self Storage/ Warehouse Property Loans $500,000 And Up

KC Capital provides comprehensive lending programs for self storage and warehouse facilities. Since 1995, we have provided the most competitive loan rates and terms. KC Capital's rigorous prequalification process, aggressive underwriting and 97% closing ratio will prove to be the successful and profitable choice for your client's loan.

Recommended Loan Programs

NEW Executive Program ($500K-$10MM)
Commercial loans with 5-year Interest only? This program has it! KC Capital’s Executive loan program has been specifically designed to answer the needs of our multifamily and commercial loan clients. This program offers great flexibility to customize a loan program to your specific needs, not the needs of the lender. Short term holders and select from multiple prepayment options, while long term holders can select a long term fixed rate. Couple this flexibility with the optional interest only for up to 5-years, and KC Capital’s Commercial Loan Specialist will be able to structure an Executive loan to meet your investment goals.

Highlights:
- up to 5 years interest only
- 1.25x min. DSCR
- up to 30-year amortization
- up to 80% LTV
- multiple pre-payment options

Non-recourse Portfolio ($750k and up – no max.)
This portfolio (bank style) loan is a great alternative to traditional conduit or CMBS financing.  Short term property holders will find the low prepayment penalties very attractive (as low as 2% in year one and 1% in year two).  Looking to reposition a property?  We can provide earn-outs to increase your loan dollars as your property generates more cash flow.   Combine this with low interest rates and 30-year amortizations make this program a great option for your next multifamily and commercial loan. 

Highlights:
- up to 80% LTV available
- 1.10x min. DSCR
- non-recourse
- low declining pre-payment penalties
- loan term up to 15 years with up to 30-year amortization
- no replacement reserve impounds
- 90-day rate locks available
- loan flexibility – including loan earn-outs are available

CMBS ($1M and up – no max.)
Conduit or CMBS lending has never been so aggressive!  Low interest rate spreads combined with interest only options, rate lock options, low DSCR requirements and loan fee caps make this loan a great option for experienced apartment and commercial investors that require a CMBS loan.   KC Capital has offered CMBS loans since 1995, and through our steadfast relationships with the top Wall Street conduits, we can ensure you will receive the most aggressive rates and terms for your next CMBS deal.

Highlights:
- up to 80% LTV available (90% with structured financing)
- 1.15x min. DSCR (1.05x with structured financing)
- non-recourse
- loan terms from 5 to 20 years and up to 30 year amortization
- defeasance or yield maintenance options available
- up to 10 years interest-only available
- very flexible and aggressive CMBS underwriting

Flex ($500k - $1.5MM)
Ideal loan for smaller apartments, mobile home parks and commercial properties that have low to no cash flow and/or the borrower wants to put minimal down payment. This program is also ideal for loans that have been turned down by your local bank due to borrower credit, property cash-flow, condition, or location.  

Highlights:
- up to 90% LTV available
- qualify on 1.00x property DSCR or 45% borrower debt-to-income
- lower quality properties okay
- no seasoning requirement on cash-out refinances
- vacant or low occupancy properties okay
- loan amortizations from 15 to 30 years available
- rates fixed from 6 months up to a full 30 years
- seller 2nd liens accommodated

Projects Ineligible for Financing with KC Capital

• Construction/Development
• Major Rehab
• Raw Land
• Stand Alone Restaurants (unless nationally
branded franchise)
• Industrial
• Assisted Living Facilities
• Properties With Any Health/Safety/
Environmental Hazards
• Condotels
• Timeshares
• Houses of Worship
• Adult Care Facilities
• Manufactured or Modular Units (Parks OK)
• Agricultural Properties
• 1-to-4-unit Family properties owned by an
Individual