Lux Key Lending

Her Empire Keys + Lux Key Lending

Real Estate, Elevated. Financing, Unmatched.

We Bring the Strategy and the Funding

Get funded- Apply now (borrower form)
Earn 10-12% secured – (Private lending form)

You’ve got the vision. We bring the strategy and the funding to make it real.

Through Her Empire Keys, I help investors build powerful, cash-flowing real estate portfolios using creative strategies.
Through Lux Key Lending, I fund the kinds of deals I wish someone had funded for me when I started — with first-position security and a white-glove process from application to close.

What We Fund (Investor-Focused, Asset-Backed)

First position only — secured by a first lien, mortgage, or deed of trust.

  • Single-Family Fix & Flips (bread-and-butter investor deals)
  • Cosmetic + Light/Medium Rehab Bridge Loans (speed without sacrificing oversight)
  • BRRRR / Rental Turns (short-term bridge into DSCR or long-term takeout)
  • Small Multifamily (2–8 Units) (only when the numbers pencil)
  • Co-Living / Transitional Housing (with documented demand & operator plan)

Who We Help

  • Experienced and new investors ready to scale.
  • Operators with clear, documented exit strategies.

Target Locations: Investor-friendly U.S. markets with strong comps, landlord-friendly laws, and proven demand.

Our Guardrails (So Everyone Sleeps at Night)

  • First-position lien recorded at close
  • Title & hazard insurance required
  • Verified scope, budget, and exit plan
  • Purchase + rehab draws with interest-only short-term bridge structures
  • Typical leverage: up to 70–80% of purchase + rehab (deal-dependent)
  • Fast closings — as quick as title, docs, and inspection allow

How Funding Works

  1. Apply — 5 minutes to submit the property, numbers, and timeline.
  2. Underwrite — review comps, rehab scope, exit plan, and sponsor strength.
  3. Approve & Close — sign first-position docs, provide insurance, close with clean HUD/CD, wire funds.
  4. Rehab + Draws — scheduled draws tied to milestone completions.
  5. Exit — flip or refi into long-term debt, then repeat.
Apply for Funding

For Capital Partners (Passive)

Want your money to work like a pro? LuxKey secures capital in first position, on real assets, with conservative underwriting and professional servicing.

  • Deals chosen for risk-adjusted returns and clear exits
  • Managed with white-glove servicing so you get the returns without the headaches

I protect capital like it belongs to my family — because that’s the standard

secure your capital – Become a private lender