Introduction
Starting your journey in real estate? 🏡 Before you buy your first property, it’s critical to understand the loan basics. The type of financing you choose directly impacts your cash flow, risk, and long-term returns.
At Kenbry Capital, we believe smart investors don’t just find the right property—they pair it with the right financing. Here’s a simple guide to loan fundamentals that every investor should know.
1. Loan Types: Conventional, FHA, VA
Different loans are designed for different needs.
- Conventional Loans – Common for both homeowners and investors; require solid credit and down payment.
- FHA Loans – Backed by the government; allow lower down payments but are typically for primary residences.
- VA Loans – Exclusive to veterans; offer no-down-payment options but also limited to primary residences.
👉 Investor Tip: At Kenbry, we focus exclusively on investment property financing—fix & flips, DSCR loans, ground-up construction, and bridge loans.
2. Interest Rates: Fixed vs. Adjustable
Your interest rate determines how much you’ll pay over time, so it’s important to choose wisely.
- Fixed Rate – Stays the same for the life of the loan, offering stability and predictability.
- Adjustable Rate (ARM) – Starts lower but can fluctuate based on the market, introducing more risk.
👉 Even a 1% change in rates can mean thousands saved—or lost—over the life of your loan.
3. Always Read the Fine Print
Hidden fees, prepayment penalties, and restrictive terms can turn a good deal into a bad one. Before signing, always:
- Review closing costs carefully
- Ask about repayment flexibility
- Clarify underwriting requirements
👉 At Kenbry, we prioritize transparent terms and honest communication, so clients always know what to expect.
Where Kenbry Capital Fits In
We don’t fund primary residences or first-time homebuyers. Instead, we’re built for serious real estate investors looking to scale.
What We Fund:
- Fix & Flip & BRRR strategies
- DSCR purchases & refinances
- Ground-up construction projects
- Bridge & short-term financing
Why Clients Choose Kenbry:
- Seamless closings without unnecessary red tape
- Creative deal structures tailored to investor goals
- Relationship-driven support for long-term growth
Conclusion
Understanding the basics of real estate loans is the first step to becoming a confident, profitable investor. From loan types to interest rates to reading the fine print, the financing you choose sets the stage for success.
👉 At Kenbry Capital, we make loans that create simpler lives, better days, and solved problems—so you can focus on building wealth.