Every program we offer is business-purpose financing for investment property. That rule has a real edge to it, and the edge is worth understanding before you write an offer — because on larger buildings, living on site is often still on the table.
These are our lending guidelines — the box a file has to fit inside. Local zoning and your own state can be stricter on a specific property, so treat this as the starting point and confirm your scenario with us.
If the property is a single-family home, condo, PUD, or a 2–4 unit building, it must be an investment property. You cannot live in any unit as your primary residence. No house-hacking the duplex, no moving into the back unit of the triplex.
This isn't a preference — owner-occupied 1–4 unit lending is consumer mortgage territory with an entirely different rulebook. Our loans are made to investors and entities for business purposes, so an owner-occupied file simply can't be written here.
Once the building reaches five units, most of the states we lend in will allow you to make one of those units your primary home — as long as you don't occupy more than 50% of the building's livable square footage.
Five units, you in one of them, the other four rented: that works in most states.
Stay under half the livable square footage and the loan remains business purpose. Go over it and the building starts to read as your residence, which puts it outside every program we offer.
New Jersey sets a higher bar. There, we require a building of 6 units or greater before a borrower can occupy it as their primary home — including mixed-use buildings.
A five-unit in New Jersey is still perfectly financeable. You just can't live in it. Every other state we lend in follows the standard five-unit guideline in Rule II.
On true commercial property — 5–9 units, 10+ units, mixed-use, office and office condo, retail and retail condo, warehouse and warehouse condo, automotive, and day care — you can operate your own business out of the space. That's still business purpose, and it's one of the most common things our borrowers do.
Mixed-use goes one step further. Outside New Jersey there is no unit-count minimum for this, which means a two-unit mixed-use building can work: your business in the commercial space, you in the residential portion — subject to the same 50% livable square footage guideline and to local zoning. In New Jersey, the six-unit minimum from Rule III still governs.
Sixty seconds. No fees. No hard credit pull. A preliminary answer within 24 hours.
Last Updated on September 17th, 2018
Welcome to our Privacy Policy - Your privacy is critically important to us.
It is Kings of Capital, LLC’s policy to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to kingsofcapital.com (hereinafter, "us", "we", or "kingsofcapital.com"). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.
This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.
Like most website operators, Kings of Capital, LLC collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Kings of Capital, LLC’s purpose in collecting non-personally identifying information is to better understand how Kings of Capital, LLC’s visitors use its website. From time to time, Kings of Capital, LLC may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Kings of Capital, LLC also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on kingsofcapital.com blog posts. Kings of Capital, LLC only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.
Certain visitors to Kings of Capital, LLC’s websites choose to interact with Kings of Capital, LLC in ways that require Kings of Capital, LLC to gather personally-identifying information. The amount and type of information that Kings of Capital, LLC gathers depends on the nature of the interaction. For example, we ask visitors who sign up for a blog at kingsofcapital.com to provide a username and email address.
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Ads appearing on our website may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Kings of Capital, LLC and does not cover the use of cookies by any advertisers.
Our Service may contain links to external sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy and terms and conditions of every site you visit.
We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites, products or services.
kingsofcapital.com uses the re-marketing services to advertise on third party websites (including Google and Facebook) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits. Of course, any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.
You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.
Kings of Capital, LLC discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Kings of Capital, LLC’s behalf or to provide services available at Kings of Capital, LLC’s website, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Kings of Capital, LLC’s website, you consent to the transfer of such information to them. Kings of Capital, LLC will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Kings of Capital, LLC discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Kings of Capital, LLC believes in good faith that disclosure is reasonably necessary to protect the property or rights of Kings of Capital, LLC, third parties or the public at large.
If you are a registered user of kingsofcapital.com and have supplied your email address, Kings of Capital, LLC may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Kings of Capital, LLC and our products. We primarily use our blog to communicate this type of information, so we expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Kings of Capital, LLC takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
Kings of Capital, LLC may collect statistics about the behavior of visitors to its website. Kings of Capital, LLC may display this information publicly or provide it to others. However, Kings of Capital, LLC does not disclose your personally-identifying information.
This site uses affiliate links and does earn a commission from certain links. This does not affect your purchases or the price you may pay.
To enrich and perfect your online experience, Kings of Capital, LLC uses "Cookies", similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.
A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Kings of Capital, LLC uses cookies to help Kings of Capital, LLC identify and track visitors, their usage of kingsofcapital.com, and their website access preferences. Kings of Capital, LLC visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Kings of Capital, LLC’s websites, with the drawback that certain features of Kings of Capital, LLC’s websites may not function properly without the aid of cookies.
By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Kings of Capital, LLC's use of cookies.
Those who engage in transactions with Kings of Capital, LLC – by purchasing Kings of Capital, LLC's services or products, are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Kings of Capital, LLC collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Kings of Capital, LLC. Kings of Capital, LLC does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
If Kings of Capital, LLC, or substantially all of its assets, were acquired, or in the unlikely event that Kings of Capital, LLC goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Kings of Capital, LLC may continue to use your personal information as set forth in this policy.
Although most changes are likely to be minor, Kings of Capital, LLC may change its Privacy Policy from time to time, and in Kings of Capital, LLC’s sole discretion. Kings of Capital, LLC encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.
This privacy policy was created at terms and conditions template . If you have any questions about this Privacy Policy, please contact us via or phone.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt in data and consent; this information will not be shared with any third parties.
Last Updated on December 31, 2019
These terms and conditions outline the rules and regulations for the use of Kings Of Capital websites - Kings of Capital, LLC is a nationwide hard money lender.
By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Kings of Capital website, freebies, or resources if you do not accept all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of United States. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.
We employ the use of cookies. By accessing our website and/or funnels you consent to the use of cookies in accordance with Kings of Capital's privacy policy.
Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.
Unless otherwise stated, Kings of Capital and/or its licensors own the intellectual property rights for all materials on this website. All intellectual property rights are reserved. You may view and/or print pages from our resources for your own personal use subject to restrictions set in these terms and conditions.
-Republish material
-Sell, rent or sub-license material
-Reproduce, duplicate or copy material
- Redistribute content from Kings of Capital, LLC (unless content is specifically made for redistribution)
1. This Agreement shall begin on the date hereof.
2. Certain parts of this website offer the opportunity for users to post and exchange opinions, information, material and data (‘Comments’) in areas of the website. Kings of Capital, LLC does not screen, edit, publish or review Comments prior to their appearance on the website and Comments do not reflect the views or opinions of RBP Productions, its agents or affiliates. Comments reflect the view and opinion of the person who posts such view or opinion. To the extent permitted by applicable laws RBP Productions shall not be responsible or liable for the Comments or for any loss cost, liability, damages or expenses caused and or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.
3. RBP Productions reserves the right to monitor all Comments and to remove any Comments which it considers in its absolute discretion to be inappropriate, offensive or otherwise in breach of these Terms and Conditions.
4. You warrant and represent that:
A. You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
B. The Comments do not infringe any intellectual property right, including without limitation copyright, patent or trademark, or other proprietary right of any third party;
C. The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material or material which is an invasion of privacy
D. The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.
5. You hereby grant to Kings of Capital, LLC a non-exclusive royalty-free license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.
1. The following organizations may link to our Web site without prior written approval:
---Government agencies;
---Search engines;
---News organizations;
---Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses; and
---Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.
2. These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
3. We may consider and approve in our sole discretion other link requests from the following types of organizations:
--commonly-known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP and Consumers Union;
-- dot.com community sites;
--associations or other groups representing charities, including charity giving sites,
--online directory distributors;
--internet portals;
--accounting, law and consulting firms whose primary clients are businesses; and
--educational institutions and trade associations.
We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of Kings of Capital, LLC ; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.
These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and it products or services; and (c) fits within the context of the linking party’s site.
If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail to bill@kingsofcapital.com . Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.
--By use of our corporate name; or
--By use of the uniform resource locator (Web address) being linked to; or
--By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party’s site.
No use of the King's of Capital, LLC’s logo or other artwork will be allowed for linking absent or trademark license agreement.
Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.
We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.
We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.
If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.
Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.
To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:
1. limit or exclude our or your liability for death or personal injury resulting from negligence;
2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
4. exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.