Your Direct Private Money Lender

Fast, Reliable Capital for Real Estate Investors

Minimal Docs, No Income Verification, No Credit Impact

How It Works
Get Pre-Approved

As Seen In

How It Works

3 simple steps to fast, flexible funding — with zero hassle.

1. Get Pre-Qualified

Answer a few quick questions to see if you meet basic criteria – with zero impact on your credit

2. Expert Guidance

We’ll walk you through multiple loan options customized to your deal and goals

3. Get Funded

Your deal gets done — without delays, red tape, or surprises — so you can close with confidence

Get Pre-Approved

Loan Programs

We offer a wide variety of loan programs designed to cover all residential (1-4 unit) real estate investment scenarios, including:

DSCR Loans

Purchase, Refi, Cash-Out Refi
  • No Tax Returns Required
  • No Personal DTI Calc Req.
  • Portfolios Welcome
  • Short Term Rentals Welcome
  • Up to 30 Year Term
  •  
Get Pre-Approved

Rental Loans

Purchase, Refi, Cash-Out Refi
  • No Tax Returns Required
  • No Personal DTI Calc Req
  • Portfolios Welcome
  • Short Term Rentals Welcome
  • Purchase/Refi up to 80% LTV
  • Cash-Out Refi up to 75% LTV
Get Pre-Approved

Renovation Loans

Purchase, Rehab
  • Up to 95% LTC
  • Borrow 100% of Rehab Budget
  • 12mo. Interest Only Repayment
  • No Experience Required
  • No Prepayment Penalty
  • Same Day Draws
Get Pre-Approved

New Construction Loans

Purchase, Build
  • Up to 90% LTC
  • Borrow 100% of Rehab Budget
  • 12mo. Interest Only Repayment
  • 12, 18, and 24 Month Terms
  • No Prepayment Penalty
  • Same Day Draws
Get Pre-Approved

The Kybele Advantage

Fast & Simple

Our process is designed to help you close quickly and reliably — with minimal paperwork and clear updates every step of the way

Flexible Financing Options

We offer many programs including DSCR, new construction, and bridge loans — so you get the right fit for your project

Proven & Trusted

Over 500 investors funded and $500M in deals closed — we bring experience and reliability to every transaction.

Get Pre-Approved

Reviews

"Honest, reliable, fast"
“Kybele was a smaller lender when I was initially introduced, but thankfully I can say that the excellence in servcie (sic) and communication has been retained even as they’ve clearly grown a lot. The owner is a real estate investor himself, has his own rentals, has done his own projects. He understands what you actually go through as an investor and the typical headaches dealing with financing, and makes it all work for you. There's a team of loan officers now, but based on my experiences with the team they are every bit as knowledgeable and professional as Jon himself, which I genuinely would not have expected. In my experience even great employees won't put in what the owner puts in, but not here. I recommend them highly”

- Dan M. | Maryland
Landlord and BRRR Investor, 8 years experience
"Extremely attentive and responsive"
"I recently used Kybele Capital to secure funding for the purchase of my second rental property, and the experience was nothing short of exceptional. From the get-go, the team was incredibly responsive and attentive to my needs. The process was seamless, and the loan terms were very competitive. What stood out the most was the promptness in communication. I can't tell you how many lenders I've worked with where you can't get a phone call back... when you're trying to give them your business and fund a deal! They took the time to understand my investment goals and tailored a solution that perfectly matched my needs (dscr loan). I'd recommend them to anyone."

- Sarah T. | Memphis, Tennessee
Rental Investor, 3 years experience
"Valuable partner to my development firm"
"Kybele Capital has been an invaluable partner for us. As a developer, I require a lender who can provide not just funding but also expertise and flexibility. Sometimes we have to structure things creatively, and many lenders aren't willing to put in the effort. The team is very prompt communication. Excellent service. I’m looking forward to continuing my partnership with Kybele Capital for all my future developments. Top-notch lender."

- Michael R. | Florida
Real Estate Developer, 10+ years experience

Recently Funded Deals

Get up to $10M to Fund Your Next Real Estate Project

  • No income verification, minimal docs
  • No tax returns or W-2s required
  • Get funded as fast as 24hrs

Get Pre-Approved in Seconds

Our Pre-Approval Process Is Free, Doesn't Affect Your Credit Score & Takes Only Seconds

By clicking See My Options I agree to Kybele Capital’s Terms of Use and Privacy Notice, and consent to Receive Electronic Communications. I expressly consent to receive phone calls and/or SMS/text messages (data rates may apply/frequency varies) to the phone number provided above from Kybele Capital via auto dialers and prerecorded messages related to the request for the product or services on Kybele Capital even if my number is listed on any company-specific, state, or federal Do-Not-Call list. There’s no requirement to purchase goods/services, and I may revoke consent at any time.

🔒100% Secure – Your Privacy is Our Priority
Core Benefits:
  • Industry Leading Rates
  • Fast Close, Funding
  • Same-Day Draws
Depending on the loan program you ultimately decide on for your scenario:
  • Interest Only Repayment
  • Borrow up to 100% of your Construction Budget
  • No Pre-Payment Penalty