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Frequently Asked Questions – Kanyini Capital
- What Services Does Kanyini Capital Offer?
We offer a range of services tailored to meet your real estate investment needs. Our offerings include Fix & Flip, Buy & Hold, Refinance, Commercial, New Construction, and Private Money Loans. We also provide Proof of Funds Letters, Collateral DNA Reports, Debt Stack Reports, and access to high-equity off-market property leads, so you are not competing with other investors in your area. - What are the benefits of private money lending?
Benefits include quicker access to capital, flexibility in loan terms, no minimum credit score requirements, and the ability to secure financing for properties that may not meet traditional lending criteria. - Are you a Lender or a Broker, and are there fees or commissions involved?
We are both a lender and a broker. If, for any reason, we can’t provide the funding you need, we have a large network of other lenders we work closely with, and we can broker the funds to you. We like providing multiple options so investors can secure the best rates and the fastest closings.If you need 100% funding, we also offer split equity opportunities, which provide financing for your purchase, rehab, and closing costs. Regardless of the loan type, there is always a 3% broker fee, which is standard in the industry. - How do you decide the amount to lend?
The amount we lend is based on the asset you have under contract. Generally, we lend up to 90% of the purchase price and 100% of the rehab cost. Ask us how you can qualify for up to 100% financing. - I need 100% financing. Can you do that?
Yes, when joint venturing with us, we can provide up to 100% financing. - What Does True 100% Funding Mean?
We lend up to 100% towards your purchase, rehab, and closing costs, up to 70% of the ARV (After-Repair Value), when a joint venture is established between Kanyini Capital and the borrower. - How long does it take to close a transaction from start to finish?
Closing timelines vary, but we strive for quick and efficient funding to help investors secure and complete their deals as soon as possible. - What Does FHA Cap Mean?
The FHA Cap represents the maximum loan amount in the county where the investment property is located. To find the FHA Cap for your area, visit:
FHA Mortgage Limits (hud.gov) - What Does ARV Mean?
ARV (After-Repair Value) is the estimated value of a property after all planned renovations are completed. - What Does Asset-Based Lending Mean?
Asset-based lending is a loan where approval is primarily based on the value of the real estate property under contract, rather than the borrower’s creditworthiness. While a borrower’s ability to repay is considered, the loan-to-value (LTV) is the main factor in determining eligibility. - What are your Loan Terms?
- Loan Amounts: From $30,000 up to the FHA Cap in the county where the property is located.
- Interest Rates: Starting at 7% annualized interest with an origination fee from 0-3%. (Rates are based on credit score, but credit score does NOT determine loan approval.)
- Loan Terms:
- Fix & Flip: 6 months to 2 years
- Buy & Hold / Refinance: Up to 30 years
- One loan per applicant until a proven track record is established.
- Do I need an appraisal, and how much will it cost?
Yes, Kanyini Capital requires an appraisal before closing. Appraisal costs vary from a minimum of $400 to approximately $700, depending on property location. - Is a Licensed & Bonded Contractor bid required?
In most cases, a licensed and insured itemized contractor bid is required before we can process the loan. - Is my information kept confidential?
ABSOLUTELY! Your privacy is of the utmost importance to us. Any information you provide is completely confidential. If you’re looking to work with a reliable, reputable company that will treat you with professionalism, understanding, and respect—YOU HAVE COME TO THE RIGHT PLACE!
