High-risk and hard-to-fund real estate loans
A high-risk file is a real estate deal conventional lenders decline: damaged credit, a complex structure, an unusual asset, a short deadline or a previous default. KAL Kreations specialises in these files and arranges funding nationwide through its private lender network, from $25,000 to $100,000,000, for investment purposes only.
All loans are for real estate investment purposes only. We do not offer personal loans.
Who this is for
- Borrowers already declined by a bank or another broker
- Sponsors with litigation, liens, defaults or title complications
- Owners of unusual or special-purpose assets
What is needed to get a quote
- Property address
- Purchase price, current value, or both
- Loan amount requested and how it will be used
- Timeline, including any contract or auction date
- A plain description of why the file was declined elsewhere
The process
- Submit the scenario with the property and the exit.
- KAL Kreations matches it to lenders active in that market and asset type.
- The funding lender sets terms and issues its approval.
- Documents are drawn, conditions cleared, and the loan funds.
High-risk and difficult files: questions
What makes a real estate file high-risk?
Anything outside conventional credit boxes: prior default, poor credit, unusual collateral, unclear title, an incomplete project, or a deadline too short for a bank process.
Does a previous decline hurt my chances?
No. Difficult files are the core of what KAL Kreations does. Explain what happened in full — detail speeds up the answer.
Is approval guaranteed?
No. No approval, rate or outcome is guaranteed. Terms are set by the funding lender after reviewing the property and the file.
Related funding
Request high-risk and difficult files
Prefer to talk? Call 415-892-0470 (landline).
All loans are for real estate investment purposes only. We do not offer personal loans.