Florida’s Premier Hard Money Lender

Close Deals Faster With Direct Private Capital

DKC Lending provides real estate investors with transparent, personalized funding for Fix & Flips, New Construction, and Rental Properties. No junk fees, no traditional underwriting delays.

Get Approved Faster

Complete in 2 minutes — No minimum credit score required. Your credit score won’t be affected.

Google Rating
★★★★★
5/5 stars | 146+ Reviews
ACCREDITED
A+ Rating

2-7 Days

Average Closing Time

Up to 70%

LTC (Loan to Cost)

Zero

Junk / Hidden Fees

Direct

Source of capital

LENDING SOLUTIONS

Programs Designed For Your Success

We offer dynamic and customized funding options matched with the best source of capital for your unique transaction.

Fix & Flip Loans

Fast-closing capital to purchase and renovate properties. Direct consultation on budgets, draws, and project feasibility.

Leverage: Up to 70% Purchase / 100% Rehab

Max LTV: Up to 70% of ARV

Terms: 6 to 12 Months (Interest Only)

New Construction

Ground-up construction loans for   experienced owner-builders. Efficient draw management.

Leverage: Up to 75% LTC of construction budget

Max LTV: Up to 70% Finished Value

Terms: 12 to 24 Months

Mobile / Manufactured

Specialized financing for single-wide, double-wide, and manufactured parks. Hard money options for unique deals.

Eligibility: Double-wides on land, park deals

Max LTV: Up to 65% LTV

Speed: Accelerated private asset close

DSCR Rental Loans

Long-term financing for buy-and-hold properties. Qualification based on property cashflow, not personal income.

Leverage: Up to 70% LTV on purchases/refi

DSCR Ratio: As low as 1.0x (1-4 units)

Terms: 30-Year Fixed / ARMs

Refinance Options

Quick cash-out refis to fund new deals, or rate-and-term refis to lower short-term interest obligations on projects.

Leverage: Up to 75% LTV

Speed: Cash in hand in 5-10 business days

Qualifiers: Credit-flexible options

Non-Recourse Loans

Lending structures secured purely by real estate assets. Complete isolation of personal liability and assets.

Security: Collateral-only  underwriting

Protection: No personal guarantees

Target: Experienced investors

WHY CHOOSE US

The DKC Advantage

We bring decades of real estate development experience to every deal, partnering with you to maximize project profitability.

Direct Capital Source

We maintain direct control over our funding sources, ensuring that when we issue terms, they are backed by real, available capital. No broker chain markup or runarounds.

01

Deal Analytics Consulting

Our team reviews your deal analytics, rehab budgets, and overall deal viability. We act as an advisory partner, keeping you from making costly acquisition mistakes.

02

No Junk Fees

We believe in transparent billing. Our term sheets clearly detail origination points and interest costs with zero surprise “processing”, “underwriting”, or “junk” fees at close.

03

3 Simple Steps to Funding

1

Submit Deal Details

Complete our 60-second online questionnaire with basic property info and timeline.

2

Get Term Sheet

A loan specialist reviews your project and issues a customized term sheet within 24 hours.

3

Close & Build

We complete valuation and title review, closing your loan and funding your deal in 5-7 days.

INVESTOR REVIEWS

What Our Borrowers Say

Read real reviews from investors, owner-builders, and brokers who scaled their business with DKC Lending.

Posted on Google Google
RTSBIZ INFO profile picture
RTSBIZ INFO
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In 30 years of doing business, this one one of the best loan transactions. Austin Hughes and his team were transparent, professional and efficient. I look forward to our next deal. B.D.
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phil bennis profile picture
phil bennis
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Calib & Marta at DKC Lending were straight forward, efficient, and a pleasure to work with. Thank you DKC for getting me over the hump
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Ayerts Studio profile picture
Ayerts Studio
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I appreciate the time Austin and his team took to work with me and the patience they had while pending on property/personal information etc. They truly made this experience simple, not stressful and we're willing to take the time and explain/answer what I thought were dumb questions. Thanks so much guys. I look forward to continue working with you. -Estrella Moran
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Teryl Aikens profile picture
Teryl Aikens
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My experience with Austin and Marta was outstanding.My initial conversation with Austin assured me that I not only met a honest and professional person,but also someone that is a real closer of deals.The process went smoothly without any snags or waisted time,he is a breath of fresh air in this era.I was truly impressed with Marta she is a major league closer and a pleasure to work with.I can't wait to do the next deal with these two major leagers and I will recommend DKC to everyone of my colleagues. KEEP UP THE GOOD WORK IT MAKES A DIFFERENCE. Sincerely, T.R. Aikens
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Anthony profile picture
Anthony
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DKC Lending made this process very easy and fast!! I would highly recommend this company if you're interested in dealing with a very friendly and efficient team of people.
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Miss Robin profile picture
Miss Robin
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DKC Lending saved our lives when my husband and I found ourselves in a major bind 1/2 way through our new residential home new construction as Owner/Builders and found out the hard way when we ran out of money that NO regular bank loans construction loans 1/2 way through a project with owner/builders. We seriously didn't know what to do as our dream home was put on hold. We found DKC through our broker and they were willing to take us on. We just finally completed our DREAM HOME and every single person from their office was amazing. Highly HIGHLY recommend. Special thanks to Austin, Katherine & Maddie who helped us navigate this process.
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Dylan Hanna profile picture
Dylan Hanna
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I’ve had an excellent experience with Dave and the rest of DKC Lending. They are honest, hardworking, and operate with a level of integrity that’s rare in this space. Returns have been consistently strong, and communication is always clear and straightforward. You can tell they genuinely care about doing things the right way and protecting their investors’ interests. Reliable, transparent, and results-driven—I wouldn’t hesitate to recommend them to anyone looking for a trustworthy hard money lending partner.
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Jennifer Peters profile picture
Jennifer Peters
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Working with DKC Lending and Austin Hughes was a great experience. Finding the right loan for our build wasn’t easy, but Austin believed in our project and stayed committed until the very end. His dedication and persistence helped get us across the finish line, and we’re truly grateful for his support.
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Meredith Barcomb profile picture
Meredith Barcomb
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Thank you DKC! Austin was a pleasure to work with. I was in a very difficult situation trying to repair my credit and get financing on my property that needed a lot of work, and lots of high interest debt I needed to pay off. I was not able to get a traditional loan. DKC was able to secure funding for me. The process was fast. The staff was helpful, and they were available any time to answer questions. I highly recommend

5/5

Overall rating based on 146+ Google Reviews
100% Verified Google Reviews
DKC Lending LLC, Asset Based Lending, Tampa, FL

Ready to Fund Your Next Project

Don’t lose out on a hot deal due to slow funding. Partner with Florida’s reliable hard money team.