Capital Designed for Your Goals.
Close faster. Pay less. Scale smarter.
Kushi Realty Loans is a direct mortgage lender — no broker fees, no third-party delays. Our loan officers are embedded in every Kushi Realty transaction, giving you a built-in financial advantage from day one.
Pre-approval turnaround
Junk fees or hidden markups
Loan program types
Max jumbo loan amount
The right loan for every situation.
Kushi Realty Loans is a direct lender — no brokers, no markups. We close faster because our team is embedded in every transaction from day one.
Purchase Loans
From 6.5% APR
Conventional, FHA, VA, and USDA purchase loans with fast pre-approvals. First-time buyers welcome.
Refinance
Rate & Term / Cash-Out
Lower your rate, reduce your term, or tap your equity for renovations, debt consolidation, or investment.
HELOC
Prime + Margin
Access your home equity as a revolving line of credit. Use it when you need it, pay it back on your schedule.
Investment / DSCR
DSCR ≥ 1.0
Debt-Service Coverage Ratio loans underwritten on rental income rather than personal income. Scale faster.
Jumbo Loans
Up to $5M
Non-conforming financing for high-value properties. Competitive rates with flexible underwriting for qualified borrowers.
Mortgage Calculator
Monthly Payment
$3,160
Principal & Interest only
Total Paid
$1,137,722
Total Interest
$637,722
This is an estimate for illustration purposes only. Contact a Kushi Realty Loans officer for an accurate quote based on your credit profile, down payment, and property type.
Get Pre-Approved →The Kushi Loans Advantage
We're not a standalone lender. Our loan officers sit alongside your real estate agent and property manager.
24-Hour Pre-Approval
Automated underwriting and a dedicated loan officer mean you get a real pre-approval — not just a pre-qual — in as little as 24 hours.
Integrated with Your Agent
Your loan officer has access to your agent's offer strategy and your property manager's income projections before we underwrite.
Direct Lender. No Markups.
We lend our own capital. No broker fees, no rate markups, and no added layers between you and your loan terms.
Your first home, demystified.
We specialize in guiding first-time buyers through FHA, conventional, and down payment assistance programs. We explain every number before you sign anything.
- FHA loans with 3.5% down
- Down payment assistance programs
- First-time buyer education included
- Credit improvement guidance if needed
Scale your portfolio without the W-2 hurdle.
Our DSCR and portfolio loan programs are underwritten on property cash flow — not your personal income. Perfect for investors with multiple properties or non-traditional income structures.
- DSCR loans (1.0+ coverage ratio)
- No W-2 or tax returns required
- Multi-property blanket loans
- Interest-only options for cash flow optimization
From application to keys.
Get Pre-Approved (24 hrs)
Submit a short application online. Our automated system and a live loan officer review your file and issue a pre-approval letter within 24 hours.
Shop with Confidence
Your pre-approval letter from a direct lender carries weight with sellers. Your Kushi Realty agent and loan officer coordinate offer strategy together.
Complete the Application
Once you have an accepted offer, we collect final documents through our secure portal. One checklist. No redundant paperwork.
Underwriting & Approval
Our in-house underwriters review your file. Because we lend our own capital, decisions happen in days, not weeks.
Close & Celebrate
E-sign your closing docs, wire your funds, and collect your keys. Your Nexorasure and ZSkyline teams are already briefed.
Start your loan application.
Fill out the form and a Kushi Realty Loans officer will reach out within one business day to discuss your goals, program options, and expected rate range.