KÉCŌ Live

KÉCŌ Capital

Bridging the gap between real estate financing and investing, KÉCŌ Live pulls back the curtain on real deals, current market conditions, and the strategies you need to get ahead and stay there. New episodes weekly. Join the live call on Fridays.

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  1. -2 дн.

    How to Pull Comps Like an Appraiser: Valuations, Red Flags & Why Bad Numbers Kill Good Deals

    Week 5 of KÉCŌ Live and we're tackling one of the most critical — and most misunderstood — skills in real estate investing: pulling comps. Whether you're wholesaling, flipping, building ground-up, or doing a buy-and-hold, the value is everything. Get it wrong and no amount of great financing will save you. KECO Capital's loan originators break down exactly how appraisers and underwriters evaluate property values, walk through two real deals, and introduce a powerful software tool to help investors find deals and run numbers smarter. Loan Submission Document Checklist PDF Connected Investors (2 week trial + free skip traces) 🏗️ What We Cover:* Process Recap — The five stages every private lending deal moves through, the most common post-submission delays (low valuations, outdated entity docs, frozen credit), and how to avoid each one* How to Pull Comps the Right Way — The appraiser's rule of thumb on square footage (±25%), year built, bed/bath count, distance (the 2-mile rule), and why the most recent and closest sale always carries the most weight* Real Deal #1: The New Orleans Condo — Appraisal came in at $525K. Units in the same building had been sitting unsold for 532 days with a $50K price drop and still no buyers. That’s what appraisal values don’t show.* Real Deal #2: The Hawaii New Build — Investor ran a conservative ARV of $1.2M. Appraiser came in at $4.6M. How comparable selection and bed/bath count made the difference.* Non-Disclosure States — How to pull comps when sold prices aren't public, and why MLS access through a local agent is still the gold standard* Connected Investors Demo — The software KECO uses to find off-market deals, run AI-driven analytics, and skip trace property owners nationwide (+ a free 2-week trial link)* Live Q&A — Hawaii Island permitting timelines, Zillow vs. Redfin vs. MLS, and how to handle comps in declining markets Episode Timestamps00:00 Welcome and Agenda01:52 Private Lending Recap03:57 Common Underwriting Delays07:41 Comps Basics and Rules12:40 Valuation Case Studies18:46 Non Disclosure State Comps23:23 Deal Kill Lessons27:40 Connected Investors Tool29:27 Rebutting Appraisals31:22 Final Q&A and Wrap Up Connect with KÉCŌJoin us live every Friday - Get the Call LinkFollow on Instagram - @keco.liveEverything KÉCŌ - Explore More Herewww.KECOCAPITAL.com KÉCŌ Capital is a private lender specializing in fix-and-flip, bridge, ground-up construction, and DSCR loans for real estate investors nationwide. New episodes of KÉCŌ Live drop weekly. Subscribe wherever you listen so you never miss one.

    34 мин.
  2. 28 мая

    How to Be Loan-Ready: Breaking Down Docs You Need to Close a Private Lending Deal Fast

    If you've ever had a deal delayed, kicked back, or killed by missing paperwork, this episode is for you. Week 4 of KÉCŌ Live and we're getting into the stuff nobody talks about on stage — but that makes or breaks every deal. This week is all about being loan-ready: every document, every checklist, every detail that underwriting is looking for before they'll approve your file. In this episode Learning Lessons — Why DSCR ratios need a buffer built in and how immigration enforcement is doubling holding costs for investorsFull Doc Breakdown (Step by Step) — Purchase contracts, loan applications, disclosures, track record/SREO, scope of work, entity docs, plans & permits, ID, bank statements, title & insurance POC — what underwriting checks, what gets deals kicked back, and how to avoid itGround-Up Construction for New Investors — A new program that lets you leverage your GC's experience to qualify, what documents you need from your contractor, and why this could be a game-changer for experienced GCs who want to build their own portfolioCondo-Specific Requirements — HOA docs, owner-occupancy ratios, master insurance policies, condo questionnairesProcessing Team Q&A — KECO's own processing team (Shiena, Irish, & Nica) break down the most common track record mistakes that delay files and what to do about themLive Q&A — What is QM vs. non-QM? Do all entity owners need to sign? Why did a DSCR loan take 8 months? Document Checklist PDF Episode timestamps00:00 Welcome and Agenda 02:36 Weekly Learning Lessons 06:11 Purchase Contract 07:59 Loan App 09:15 Disclosures 12:18 Track Record 17:34 Scope of Work 18:52 Rehab Overview 23:06 Plans & Permits  26:51 Entity Docs 29:47 GC Docs 34:45 Other Required Docs 36:29 Condo Specific 43:07 Q&A Connect with KÉCŌJoin us live every Friday - Get the Call LinkFollow on Instagram - @keco.liveEverything KÉCŌ - Explore More Herewww.KECOCAPITAL.com KÉCŌ Capital is a private lender specializing in fix-and-flip, bridge, ground-up construction, and DSCR loans for real estate investors nationwide. New episodes of KÉCŌ Live drop weekly. Subscribe wherever you listen so you never miss one.

    49 мин.
  3. 14 мая

    Leverage Allocation Explained: Why Rate & Points Aren't What Matter

    Week 3 of KÉCŌ Live and we're getting into one of the most misunderstood concepts in private lending — leverage allocation. Most investors are negotiating on the wrong things. If you're laser-focused on rate and points but ignoring how your leverage is actually structured, you're leaving money on the table every single deal. KÉCŌ Capital's loan originators break it all down, plus walk through a real deal that closed in 15 days — despite an ARV coming in $1.3 million below expectations. In this episodeLearning Lessons — How travel costs (flights, rentals) inflate appraisal fees in island and remote markets, why insurance carriers are pulling out of certain areas, the engineering survey requirement for fire-damaged properties, and title company endorsement delays that nearly killed a closing Market Update — Rising appraisal costs, tightening capital guidelines, and what happens when investors jump into new markets without local knowledge Leverage Allocation Deep Dive — Wrapped interest vs. monthly payments, advanced draws, why 93% LTC from one lender isn't the same as 93% LTC from another, and how to calculate your true ROI instead of chasing profit per deal Live Deal Breakdown — $3.65M purchase, $316K rehab, ARV miss of $1.3M, title company issues, insurance turnaround in 48 hours, closed in 15 days. Here's how we navigated it. Live Q&A — What's the basic formula to evaluate a deal? What margin is the minimum to move forward? How do you run comps the way appraisers and underwriters actually do? Episode timestamps00:00 Welcome Back and Purpose 00:31 Today’s Agenda Overview 01:27 Learning Lessons - Appraisal Costs, Title, Fire Damage 18:14 Leverage Allocation Overview 28:19 Deal Breakdown Case Study 37:38 Q&A - Deal Analysis Formula  43:08 Closing Thoughts Connect with KÉCŌJoin us live every Friday - Get the Call LinkFollow on Instagram - @keco.liveEverything KÉCŌ - Explore More Herewww.KECOCAPITAL.com KÉCŌ Capital is a private lender specializing in fix-and-flip, bridge, ground-up construction, and DSCR loans for real estate investors nationwide. New episodes of KÉCŌ Live drop weekly. Subscribe wherever you listen so you never miss one.

    43 мин.
  4. 5 мая

    Private Lending Process: ARVs, Draw Structures, & Why Transparency Wins Deals

    Week 2 of KÉCŌ Live is here — and we're going deep on what it actually takes to get a deal funded in today's private lending market. KÉCŌ Capital's loan originators — Kain, John, and Keli'i — break down the private lending process and real conversations happening behind the scenes: why your ARV can get wrecked the day before appraisal, how construction draws actually work (and what 75% reimbursement really means), and why the title company you choose can make or break your closing. In this episode Investor Tip / Learning Lessons — A real comp story from Atlanta, the right title company for private deals, and draw structures explained (pro-rata vs. upfront deductible)Market Update — Lumber costs up 5.6% YoY, contingency requirements jumping from 5% → 10%, and what the Philadelphia & Baltimore fraud scandal means for lenders nationwidePrivate Lending Process (Full Overview) — Loan request → full package → appraisal → underwriting → close. What every borrower needs to know, regardless of the lenderNew Investors — Can you qualify with no track record? Do you need a GC? We answer it straightLTC ≠ LTC — Why the same term means something totally different depending on your lender, and how to read a term sheet correctlyLive Q&A — DSCR loans, seasoning requirements, Hawaii rates, and moreEpisode timestamps00:00 Welcome and Goals 01:46 Comps and ARV Surprises 03:32 Title and Insurance Pitfalls 05:29 Construction Draw Basics 09:22 Understanding Loan Terms 11:10 Transparency and Fraud Fallout 14:31 DSCR Loans Q&A 17:04 Market Costs and Contingency 20:38 Private Lending Process 25:58 New Investors and GCs 36:18 Closing Thoughts and Community Connect with KÉCŌJoin us live every Friday - Get the Call LinkFollow on Instagram - @keco.liveEverything KÉCŌ - Explore More Herewww.KECOCAPITAL.com KÉCŌ Capital is a private lender specializing in fix-and-flip, bridge, ground-up construction, and DSCR loans for real estate investors nationwide. New episodes of KÉCŌ Live drop weekly. Subscribe wherever you listen so you never miss one.

    40 мин.
  5. 27 апр.

    Closing the Gap Between Wall Street Capital and Main Street Investors

    Two years after wrapping up our weekly investor Coffee Talk calls, our co-founder and principal Cory Nemoto introduces KÉCŌ Live - a brand new 8-week investor call series aiming to build a free, value-first community focused on private lending, real estate investing, entrepreneurship, and leadership.  As a correspondent lender and active member within the National Private Lenders Association (NPLA), KÉCŌ Capital bridges the gap between Wall Street capital and Main Street investors through these conversations. In this episodeKeli’i outlines the LIVE framework—Leadership, Investment, Vision, Execution—and gives a glimpse into behind-the-scenes education, real deal breakdowns, and funding structure guidance. John previews an eight-week series with weekly market updates, current events, investor tips and learning lessons, and live Q&A.  Kain explains how capital motivations, securitization, and evolving guidelines affect approvals, and the group discusses DSCR fraud scrutiny, post-disaster inspections, appraisal nuances, and the NPLA watch list to reduce bad actors. Episode timestamps00:00 Welcome Back and Vision 07:51 KÉCŌ Live Framework 10:15 Series Format and Weekly Topics 11:24 NPLA and Lender Perspective 15:10 Hard Money vs Institutional Capital 17:56 Market Shifts and Closing Fast 22:46 Investor Partnership and Strategy 27:50 Comps and Underwriting Reality 35:45 Managing Fraud Within the Private Lending Space 38:49 Wrap Up and Next Week Connect with KÉCŌJoin us live every Friday - Get the Call LinkFollow on Instagram - @keco.liveEverything KÉCŌ - Explore More Herewww.KECOCAPITAL.com KÉCŌ Capital is a private lender specializing in fix-and-flip, bridge, ground-up construction, and DSCR loans for real estate investors nationwide. New episodes of KÉCŌ Live drop weekly. Subscribe so you never miss one.

    39 мин.

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Bridging the gap between real estate financing and investing, KÉCŌ Live pulls back the curtain on real deals, current market conditions, and the strategies you need to get ahead and stay there. New episodes weekly. Join the live call on Fridays.