DKC Lending Team

David Clemens

CEO & Co-Founder

David Clemens is a private lender, real estate developer and entrepreneur with extensive leadership experience. He provides hard money loans to real estate investors for residential and multi-family redevelopment projects as well as new residential construction. He is a loan underwriter, servicer, and licensed real estate agent. 

He was previously founder of Lightning Property Services, a property services and project management company. David was previously Chief Operating Officer for WLW Capital. In that role, he managed the completion of numerous multifamily redevelopment projects and dozens of new construction single family homes. David was a key member of the team responsible for the multimillion dollar growth of the private lending division.

Raised in a ‘real estate family’ in upstate New York, David was a high school All-American soccer player. He was an All-ACC player and captain for the Virginia Tech men’s soccer team. David was the Assistant Club Director for New River United Youth Soccer. Following graduation from Virginia Tech with a degree in communications, he was a professional soccer player for Dayton Dutch Lions, FC Tucson, and Tampa Bay Rowdies. David is married and enjoys spending time with his family and friends. He is an avid boater and continues to coach and play soccer.

Caleb Delgado

Chief Sales Officer & Co- Founder

Caleb William Delgado moved to Florida from Long Island New York. As a top recruit out of Oceanside High School, Caleb and his father decided he would play division one soccer at Hartwick College. It was here through competitive sport that Caleb found his true passion, Real Estate. Following in his father’s footsteps, Caleb amassed a 10-year career in Mortgage Banking with firms including Fidelity Borrowing and later Alliance Mortgage Banking. With hard work and commitment Caleb would be promoted from an entry level position as a Loan Officer to Supervising Loan Officer for his own branch.

Caleb previously founded Delguardian LLC in 2017, when he realized he could provide services far superior to those being offered by existing banks, financial institutions, and other private money lenders. He quickly became one of the most renowned loan originators in the Tampa Bay Area. His success can be attributed to his lending philosophy, real estate experience, and hard work.

Caleb is currently a partner of DKC Lending where he brings with him his hard-work, charisma, and passion for real estate investing. With two decades of experience investing and flipping his own real estate portfolio, Caleb has navigated both the ups and downs of the market with consistent success. Caleb now specializes in providing private financing for investors looking to capitalize on the real estate market.

In his spare time, Caleb loves spending time with his eight-year-old daughter (Elaina Ann Delgado), playing soccer and being an active member of his local Church in Clearwater.

Rob Faw

Corporate Development

Rob Faw is an experienced entrepreneur, business consultant, and board-certified master life coach with expertise in business, executive, and leadership coaching. He was previously a chief executive officer of a communications company that was a worldwide leader in digital networking technologies and was formerly president and vice chairman of a British software company. He was also previously responsible for the worldwide business development of a Fortune 50 company software technology that transformed multimedia communications for global service providers. Rob was co-founder of a fiduciary and trust company and has had experience in construction, real estate development, and commercial property management.

Rob has been on the boards of numerous privately held technology companies and was previously on the board of a palliative care social benefit company and a non-profit family counseling organization. Rob works with non-profit organizations to support their faith-based missions in the U.S. and internationally. Rob is a U.S. Air Force veteran, Ironman, and has competed in 68 marathons. He is currently a doctoral student in organizational leadership at Liberty University. Rob has traveled extensively worldwide and lived and worked in Toronto, London, Chicago, and Silicon Valley. He and his wife reside in Safety Harbor, Florida. 

Marta Góes

Processing Manager

Marta Góes is a Transaction Coordinator with vast experience in processing and originating, both domestic and foreign national loans for local and international clients/investors. Marta started her career in the Real Estate business in 2013 as a Licensed Real Estate agent, and soon transitioned to the lending industry, her true passion, becoming a Licensed Mortgage Loan Originator.

For the past 8 years, Marta has worked with brokers and lenders, processing and originating loans, mostly in Florida, but also in New York, Texas, and other states, which allowed her to gain valuable experience in different loan structures, for a variety of investors profiles, with a great track record. Besides hard work, Marta is bringing her knowledge, expertise, and commitment to our clients.

Marta moved to Orlando from Brazil in December 2010. She speaks Portuguese and Spanish. During her free time, she enjoys spending time at the beach, or at home barbecuing with family and friends.

Katherine Hammonds Bell

Operations Manager

Katherine Bell is an accomplished entrepreneur with experience in residential construction and real estate. She started her real estate career in California as a licensed real estate agent with a background in project management and construction management. Katherine is also a licensed real estate agent in Tennessee.

Katherine’s background in working with real estate brokers, borrowers, and buyers and expertise in marketing, sales, processing, financing, closings, and construction provide value to our clients and team as operations manager. As operations manager, Katherine is responsible for business process efficiencies in servicing, administration, marketing, and client support.

Katherine is passionate about family, traveling, art, music, tennis, and reading. She holds a degree in merchandising marketing from the Fashion Institution of Design and Merchandising and a degree in art history from Arizona State University.

Enrique Bello

Loan Consultant

Enrique Bello moved to the United States from Caracas, Venezuela 12 years ago, in order to pursue his higher education. After being a top student-athlete at the University of Tampa, where he was a member of the Men’s Soccer program. As an International Student, Enrique had to come up with clever ways to make a living, while attending school. It was here where Enrique developed his skills as a marketer and entrepreneur, after launching his first e-commerce brand, and later launching his own Technology company.  Enrique has been part of the development and creation of multiple mobile softwares apps, and custom software development projects.
Enrique is a Marketer, Loan Originator, and Realtor with over 3 years of experience within the Real Estate industry, alongside with experience raising capital. He is currently part of the team DKC Lending where he brings technology and marketing experience, with the goal of bringing on a host of new borrowers, investors as well as sourcing and securing new real estate development projects.

During his free time, Enrique loves to play soccer, and spend time with his dog Toulouse.

Mike Jones

Loan Consultant & Development Director

Mike Jones, a Tampa Bay area native is a real estate investor and entrepreneur. Mike brings an extensive background in real estate acquisitions, construction management, sales and leadership. Previously, he founded a residential remodeling company that specialized in working with investors and wholesalers. Through this venture he gained great experience in project management, planning, budgeting and all phases of construction. He quickly transitioned into the investment side of real estate with flipping residential single family homes, rentals and vacation rentals. Mike has also gone through extensive sales training which has allowed him to specialize in the acquisitions, management and dispositions of real estate with the DKC Lending & Development team. In his free time, Mike enjoys spending time with his friends and family of three sons and wife Michelle. He also loves boating, exercising and is an active member of his church in Tampa.

Gretchen Mitchell

Loan Consultant

Gretchen Mitchell is an experienced lending professional with a background in commercial banking, mortgage banking, and wealth management at several banks throughout the Tampa Bay region. She has extensive executive leadership experience and has maintained a consistent record as a top producer throughout her financial services and banking career. Gretchen has been a general contractor and entrepreneur who has owned and operated over ten businesses, including a fitness studio, real estate, and construction company. She has an MBA from the University of Tampa and a business degree from Eckerd College. Gretchen enjoys spending time with her family and friends, working out, fly fishing and volunteering with local charities, including Feeding Tampa Bay, Metropolitan Ministries, Homeless Empowerment Program, and The Arc Tampa Bay. She was previously on the Big Brothers Big Sisters board of Florida.

Austin Hughes

Loan Consultant

Austin Hughes is an accomplished professional sports sales and business development manager. He was previously an account executive for the Albany Empire of the Arena Football League (“AFL”), responsible for generating revenue through ticket, group, and luxury suite sales. The AFL recognized Austin and his team as the front office of the year. Austin was also formerly the ticket sales manager for the Tampa Bay Vipers of the XFL, responsible for generating new business, the guest experience, and community involvement. More recently, Austin has been working with NCSA College Recruiting as a recruiting specialist, helping high school student-athletes connect with college coaches and scholarship opportunities. Austin is a graduate of SUNY Oneonta, where he played college soccer.

During his free time, he enjoys playing soccer, spending time with his family, and getting outside to enjoy the Florida weather.

Kade Burley

Loan Consultant

Kade is a graduate of Florida State University and a former high school student-athlete competing in football, basketball, track, and tennis. He was previously athletics director and chaplain at Pi Kappa Alpha fraternity, an international brotherhood and one of the largest fraternal organizations in the world dedicated to developing men of integrity, intellect, and high moral character. As a college student, Kade was the membership chair of the Seminoles Student Boosters and volunteered his time with the Tallahassee Cleanup Project, a student volunteer organization.
He was previously a client relationship intern with a market-leading technology company that produced mobile software applications for the hospitality industry. Kade enjoys sports, fishing, and diving. 

Kyle Clemens

Loan Consultant

Kyle is an accomplished professional with expertise in project management, real estate, and loan consultancy. He has a notable track record in pharmaceutical advertising and real estate investments, demonstrating a keen understanding of markets and strategic investment decision-making. Kyle’s real estate investment portfolio reflects successful ventures and proficient property management. He has a unique talent for navigating complex financial landscapes and leading projects from conception to delivery, ensuring clients’ satisfaction.

Kyle is a family man who loves soccer, competition, and fostering a spirit of teamwork. His passion for these aspects of his life reflects his enthusiasm and commitment to work-life balance. With a well-rounded perspective and unwavering dedication, he embodies the modern professional who thrives in challenging environments.

Kyle’s project management skills, marketing expertise, and real estate experience make him invaluable to clients seeking top-tier loan consultation services. He strives to provide comprehensive financial solutions to his clients, reinforcing his commitment to professional excellence.

Maddie Lamb


Maddie is an administrative professional and magna cum laude graduate of the University of South Florida with a degree in Business Management. She has experience in the hospitality, recruiting, sports retailing, and real estate industries with expertise in communications, marketing, and social media. Maddie has a strong attention to detail and organization as reflected in her support of  loan administration, real estate transactions, and networking events. She has demonstrated proficiency in transaction coordinating, loan servicing, and data management analytics.

Maddie is a Florida native who is recognized as a national honor society member who competed in soccer, track and field, and cross-country. She is passionate about animal protection and is a proud owner of two miniature poodles. Maddie was previously a member of a students against destructive decisions club that provided resources for community youth and develop their self-esteem. She has been an active volunteer with the Maddie Williams Neighborhood Center that provides assistance to families in need. Maddie enjoys walking, fitness training, pickleball, and spending time with her family and friends.