Private & hard money for real estate investors

Fast capital.
Smart structure.
Real closings.

Investor financing built around your numbers, timeline, and exit.

  • $0No upfront fees
  • Up to $50MLoan amounts
  • NationwideInvestor lending in all major markets
Loan programs

Financing built for investors

We work with a network of hard money and private lenders, so the structure fits the deal instead of the other way around.

Buy · Renovate · Sell

Fix & Flip

Acquisition and rehab funding in one loan, with draws as the work gets done.

Short-term

Bridge

Close fast on a purchase or buy time before a refinance or sale.

Buy · Hold · Rent

DSCR Rental

Qualify on the property's rent, not your tax returns. Long-term rentals, portfolios and new construction.

Ground up

Construction

Funding for builders and developers on single family, small multifamily and large multifamily.

Income property

Commercial

Multifamily up to 100 units and loans up to $50M, plus mixed-use, retail and other investment property.

Pull equity

Refinance & Cash-Out

Pay off a hard money loan, lower your rate, or pull cash out for the next deal.

How it works

From submission to closing table

Step 1

Submit the deal

Address, purchase price, rehab, ARV and your timeline. It takes a few minutes.

Step 2

We structure it

We check leverage, value and exit, then flag anything a lender will push back on.

Step 3

Lenders compete

Your deal goes to the lenders that fit it. You get real terms to compare.

Step 4

Close

We collect the docs and keep the lender, title and you moving until it funds.

Get a faster answer

What to have ready

Send these with your deal and we can usually come back with options quickly.

FlippersBuildersDevelopersBuy-and-hold investorsWholesalersAgents & brokers
  • Property address and type
  • Purchase price and closing date
  • Rehab budget or scope of work
  • Estimated ARV with sold comps
  • Your track record (completed projects)
  • Exit plan: sell, refinance or hold
Submit a deal

Tell us about the deal

About 3 minutes. The questions change based on the loan you need.

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Have a deal under contract?

Send it over. If it makes sense, we'll tell you how to structure it. If it doesn't, we'll tell you that too.

Send new deals todeals@k3ledger.com
© 2026 K3 Ledger LLC · Dallas, Texas K3 Ledger is a loan broker, not a lender. All loans are subject to lender underwriting and approval.