Nationwide asset-based lending
Funding for investors, by investors.
Hard money is hard enough. We’re investors and borrowers ourselves, so we fund fix & flips, ground-up builds and rentals the way we’d want our own deals funded: fast, fair and transparent.
Rates starting at
7.5%
Rehab budget financed
Up to 100%
“KÉCŌ Capital funded my first deal with them in 14 days, and they’re about to fund another.”
Dustin Amodo, Island Property Buyers LLC
90%
Of purchase price financed
50 states
Nationwide lending
$500K+
Loan amounts
$0
Pre-payment penalties
The KÉCŌ Way
We’re not just here to lend you money. We’re here to help you grow.
KÉCŌ Capital was formed by real estate investors Kekoa-Michael Lwin and Cory Nemoto. They have borrowed millions in private financing across multiple states and markets, and they built KÉCŌ to give investors affordable capital along with practical guidance and real support. We’re not just another hard money lender. We’re a member of your team, standing with you on every deal.
Co-founders Kekoa-Michael Lwin & Cory Nemoto
♡
Relationships First
As investors and borrowers ourselves, we understand the pains that come with hard money. Every loan starts with a real conversation.
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Competitive & Creative
Access to a large network of private investors, institutional lenders and investment funds means structures that fit your deal.
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Integrity & Transparency
Our word is our bond. We keep every step clear, and our commitment is to earn your trust on every deal.
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Growth
Your success is our success. We’re invested in scaling your portfolio, not just closing a single loan.
Lending Products
High-leverage loans built for serious investors.
Fix & Flip
Rehab Loan: Wrapped Interest
Short-term financing to acquire and renovate, with interest wrapped into the loan so you keep cash in the project.
Purchase
Up to 90%
Rehab
Up to 100% (max 75% ARV)
Terms
6, 9, 12, 18 or 24 months
Wrapped interest
Extensions available
Business purpose
Fix & Flip
Rehab Loan: Advance Draws
Get your renovation moving on day one. Up to 25% of your rehab budget is advanced right after closing.
Purchase
Up to 90%
Rehab
Up to 100% (max 75% ARV)
Terms
6, 9, 12, 18 or 24 months
25% draw at closing
No prepayment penalty
Wrapped interest
New Construction
Ground-Up Construction
Financing for new construction projects, with no charge on construction holdback.
Total project cost
Up to 90%
Land / Construction
75% / 100% (max 75% ARV)
Terms
9, 12, 18 or 24 months
Wrapped interest
Extensions available
Business purpose
Buy & Hold
Long-Term Rental
30-year financing for your rental portfolio, including short-term vacation rentals, with fixed or ARM options.
LTV
Up to 80%
Amortization
30 years
Rate
From 7.5%, fixed or ARM
Rate buydowns
STR / vacation OK
Business purpose
BRRRR, Cash-Out & Refinance
Bridge loans, cash-out refinancing and long-term financing. Up to 75% LTV on 30-year terms.
Residential
Single family, condominiums, apartments, duplexes, triplexes and quadplexes.
Commercial & Multi-Family
Office, retail, storage, hospitality and industrial. Multi-family at 75% LTV on $500K–$10M, with DSCR options.
All loans are for business purposes only. $500,000 minimum loan amount. Rates, terms and leverage are subject to underwriting and may change without notice.
The Process
From submission to funded in three steps.
No runaround. Share your deal, get a clear answer, and close on your timeline.
Step
01
1
Submit your deal
Tell us about the property, your plan and your timeline using our quick online application.
Step
02
2
Get approved
Our team reviews your project and walks you through the loan structures that best fit your goals.
Step
03
3
Get funded
Close quickly and get to work, with a lending partner who’s in your corner through the finish.
Recently Funded
Deals we’ve closed.
Fix & Flip
Kaneohe, HI
$616,815
Loan amount
Fix & Flip
Waialua, HI
$491,500
Loan amount
Fix & Flip
Honolulu, HI
$618,750
Loan amount
Cash-Out Refinance
Bellevue, WA
$1,275,000
Loan amount
Bridge Loan
San Francisco, CA
$3,368,000
Loan amount
Fix & Flip
Makaha, HI
$1,223,800
Loan amount
Our Team
Investors who know your deal from the inside.
Co-Founder
Kekoa-Michael Lwin
Kekoa bought his first home as a college senior and flipped it a year later. He holds an MBA from Hawaii Pacific University and specializes in general contracting, brokerage operations, design and PR. He’s also a sought-after investor-conference speaker.
Co-Founder & Principal
Cory Nemoto
Cory started investing in 2011 in Riverside County, CA, before returning home to O‘ahu. He specializes in deal sourcing and valuations, acquisitions, investor relations, financing and capital allocation, and has been featured on national real estate podcasts.
Leila Morinaga
Chief Operating Officer
Kain White
Senior Vice President
Marina “La‘akea” Choi
Investor Relations
John Kim
Senior Loan Originator
Keli‘i Klobucar
Loan Originator
Keilani “KK”
KÉCŌ Office Princess
Testimonials
Investors who made KÉCŌ their first call.
Swipe or scroll for more →
“
KÉCŌ Capital funded my first deal with them in 14 days, and they’re about to fund another deal.
Dustin Amodo
Island Property Buyers LLC
“
KÉCŌ Capital handled my closing with grace and professionalism. KÉCŌ Capital is now my first call.
Keone Catian
Kuleana Investment Group LLC
“
I’ve done business with Cory and Kekoa for many years and can testify to their character.
RB
Richard Baguio
HI Property Innovations LLC
“
The support we received and their heart-work of going beyond has just been great.
JB
Joel & Mary Ann Bongco
Inspired Life Investments
“
You need a funding partner that has the kind of motivation and commitment that the guys at KÉCŌ possess.
GG
Greg Gaudet
Maui Home Buyers
Fund Your Deal
Let’s discuss your next deal.
Whether you’re acquiring, renovating, building or refinancing an investment property, our team will review your project and find the financing options that best fit your goals.
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A team member contacts you to discuss your deal
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We answer your questions, with no obligation
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We outline potential loan structures for you
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Your information is secure. It will never be sold or reused.
Start your loan application
Tell us about the property, your plan and your timeline. It takes a few minutes, and a team member will follow up to discuss your deal.
Open the application →Trouble loading the form? Call (808) 425-4627 or email info@kecocapital.com.