Justin Denning
About
At KODI Private Capital, we specialize in providing innovative and flexible financial solutions for real estate investors. As a trusted hard money lender and broker, our mission is to help you unlock the potential of your real estate projects with fast, reliable, and secure funding.
We are based out of Raleigh, North Carolina and currently able to process loans in 33/50 states in the US. Being from and located in one of the fastest growing cities in the world in Real Estate our team brings extensive experience in the real estate industry, with a proven track record in wholesaling and being involved in numerous fix-and-flip projects.
Having worked on both sides of the transaction, we understand the unique challenges and opportunities that come with real estate investments. This hands-on experience gives us a deep understanding of what it takes to succeed in this competitive market, and it’s why we are committed to offering financing solutions that are tailored to meet your needs.
Whether you’re looking to flip a property, fund new developments, or secure bridge loans, we provide the capital that helps turn your vision into reality. We’ve seen firsthand what makes a project successful and have the expertise to help you navigate the process smoothly.
I’m located in Raleigh, North Carolina.
Are you an HML? Yes
Do you fund gap? No
Do you fund (EMD)? No
Lending criteria
Fix & Flip Loans
Collateral: Non-owner occupied 1-4 family real estate, condos, townhomes, 5+ unit apartments, mixed-use properties
Loan-to-Value (LTV): Up to 90% of purchase price plus 100% of renovation costs, not exceeding 75% of after-repair value (ARV)
Term: 12 to 18 months
Loan Amount: $50,000 – $2 million for 1-4 family, condos, and townhomes; $250,000 – $2.5 million for multi-family (5+) and mixed-use properties
Minimum FICO: 660
Rates: Starting at 9.99% interest-only
Prepayment Penalty: None
Long-Term Rental Loans
Collateral: Non-owner occupied 1-4 family real estate, condos, townhomes, planned unit developments (PUDs)
LTV: Purchase up to 80% of as-is value or loan-to-cost; refinance up to 80% of as-is value; cash-out up to 75% of as-is value
Amortization Options: 30-year fixed, hybrid ARMs (5/1, 7/1, 10/1), interest-only options available
Loan Amount: $55,000 – $2 million
Minimum FICO: 660
Rates: Starting at 5.95%
Prepayment Penalty: 0 to 5-year options available
New Construction Loans
Collateral: Non-owner occupied single-family properties, condos, townhomes
LTV: Purchase up to 80% initial advance; up to 90% loan-to-cost; refinance up to 75% initial advance; up to 90% loan-to-cost
Term: 12 to 24 months
Loan Amount: $100,000 – $2 million
Minimum FICO: 650
Prepayment Penalty: None