Your Direct Private Money Lender

Fast, Reliable Capital for Real Estate Investors

Minimal Docs, No Income Verification, No Credit Impact

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

Loan Programs

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

Up to 80% LTV
No Tax Returns Required
No Personal DTI Calc Req.
Portfolios Welcome
Short Term Rentals Welcome
Up to 30 Year Term

Rate & Term up to 80% LTV
Cash-Out up to 75% LTV
No Tax Returns Required
No Personal DTI Calc Req
STRs & Portfolios Welcome
Up to 30 Year Term

Up to 95% LTC
Borrow 100% of Rehab Budget
12mo. Interest Only Repayment
No Experience Required
No Prepayment Penalty
Same Day Draws

Up to 90% LTC
Borrow 100% Constr. Budget
12mo. Interest Only Repayment
12, 18, and 24 Month Terms
No Prepayment Penalty
Same Day Draws

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.

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