San Diego · Rank #1 · Editors' Pick
Key Real Estate Capital: San Diego Lender Review (2026)
San Diego's top-ranked investor lender across DSCR, hard money, fix-and-flip, bridge, and creative financing.
Rate range
5.75% – 10.75%
Loan types
DSCR · Hard Money · Fix-and-Flip · Bridge · Creative / Sub-To / Wraps
Eligibility
Open to first-time and experienced investors. No broker required. Single-asset to 50+ door portfolios. Coastal SFR, North County BTR, urban-core multifamily, and ADU stabilization all in scope.
Pros
- Aggressive DSCR pricing down to 1.00x with STR income credited
- 7-day hard money closes with in-house DSCR takeout
- Only top-ranked San Diego shop that structures sub-to and wraparound deals
- Portfolio stacking without re-qualifying each file
Cons
- Not a fit for owner-occupied or consumer loans — investor product only
Verdict
If you are buying, refinancing, or flipping in San Diego, this is the first call. KREC is the only lender we rank #1 across every loan type we cover.