Most people get sold a loan. You deserve to choose one.

Before you apply, understand your options — with an advisor who compares your mortgage and private-lending paths in plain English, so you choose the financing that actually fits your goals.

Book a Free Consultation Explore Mortgage Options Explore Private Lending Options

Free and no obligation · When applicable, we can start with a soft credit pull that doesn't affect your score · We welcome clients in English, Portuguese, and Spanish.

The Problem

Most people meet a lender after they've already decided.

By the time you talk to someone, you've usually settled on a product — and you're handed whatever that lender happens to sell. The questions that matter most often go unasked: Is this the right structure for your goals? What are you giving up? What else could you have compared?

Real estate financing is genuinely complex. Every borrower, property, and investment plan is different, and the wrong product — or the wrong moment to apply — can cost time, money, and opportunities you can't get back. The problem isn't that good options don't exist. It's that most people never get to see them side by side.

The Kyon Way

We start with a conversation, not an application.

Kyon Capital is an advisory firm first. We begin where the value actually is — understanding your situation, then comparing your real options before anything is submitted.

Discovery before pricing

We start by understanding your goals, not by quoting a number.

Consultation before application

You'll understand the paths available to you before you commit to one.

Clarity before commitment

No surprises on documents, costs, structure, or timeline — because we walk you through them first.

You don't need to know which loan is right before you reach out. That's exactly what we're here to help you figure out.

Two Tracks, One Advisor

Whether you're buying a home or financing a deal, you have one advisor for both.

Most people have to choose between a mortgage broker and a private lender — and figure out on their own which one they even need. Kyon brings both perspectives under one advisory relationship, so you can genuinely compare.

Mortgages

For homebuyers and homeowners, we help you evaluate and compare mortgage paths — conventional, government-backed, jumbo, renovation, refinance, and alternative-documentation options — and connect you with the right licensed lending channel for your situation.

Explore Mortgage Options

Private Lending

For real estate investors, builders, and developers, we arrange business-purpose, asset-based capital through a broad lending network — or, when a deal calls for it, fund it directly with our own capital. Bridge, fix-and-flip, ground-up construction, and DSCR rental loans, structured around your project and your exit.

Explore Private Lending Options

Two paths to the same property. We help you compare them.

Why Kyon

Guidance grounded in real expertise — and aligned with you.

Kyon Capital was founded and is led by Dr. Marcos Medeiros, a finance and real estate professor and a 30-year capital-markets practitioner. That background shapes how the whole firm works: we explain financing the way a good teacher would, and we evaluate it the way someone who has structured capital at the highest levels does.

  • Professor and practitioner. Marcos teaches finance and real estate at the university level and spent roughly three decades in investment banking and corporate finance before building Kyon.
  • Plain-English education. We translate LTV, DSCR, points, structure, and exit strategy into language you can actually use to make a decision.
  • Served in your language. We work with clients in English, Portuguese, and Spanish.
  • Aligned incentives. Your consultation is free, and we're paid only if your deal actually closes — so our interest is in finding the path that's right for you, not in pushing a product.
  • A broad network, not one box. Because we work across many lending sources and our own capital, your situation isn't forced to fit a single lender's rules.
Meet Marcos & the Team
How It Works

It starts with a conversation, not an application.

  1. 01

    Consultation

    A free, no-obligation conversation to understand your goal.

  2. 02

    Options Review

    We compare the paths that fit your situation, in plain English.

  3. 03

    Application or Deal Review

    When you're ready: an application for a mortgage path, or a deal review for an investment.

  4. 04

    Soft Credit Pull, When Applicable

    Where available and appropriate, we can begin without affecting your credit score.

  5. 05

    Documents

    We tell you exactly what's needed and help you prepare a complete file.

  6. 06

    Pre-Approval or Term Discussion

    A pre-approval review for mortgages, or a discussion of terms for a deal.

  7. 07

    Property or Deal Selection

    You choose your home or your investment.

  8. 08

    Full Underwriting

    Appraisal, title, insurance, and final review.

  9. 09

    Closing

    And a relationship that continues well beyond it.

Timelines vary by path and complexity and are subject to underwriting, documentation, valuation, title, and program guidelines.

See How It Works in Detail
Who We Help

One advisory relationship, built for many different situations.

Whatever stage you're at, the first step is the same: a conversation to understand what you're trying to do.

First-Time Homebuyers

Patient guidance through your first purchase, including programs that may help with your down payment.

Real Estate Investors

Capital that scales with your portfolio, evaluated deal by deal.

Fix & Flip Investors

Acquisition and renovation capital structured around your project and your exit.

Builders & Developers

Construction financing released in stages as your project progresses.

Foreign National & ITIN

Asset-based paths for international and nontraditional borrowers, served in your language.

Veterans (VA)

Guidance on the home-financing benefits you've earned through your service.

USDA / Rural Buyers

Options for eligible rural and suburban properties.

We also regularly help self-employed borrowers, move-up buyers, and clients exploring refinance & cash-out, HELOC & home equity, reverse mortgage (HECM), jumbo, renovation, and down-payment assistance.

See Who We Help
Learn Before You Decide

Understand the language of lending.

The more you understand, the better your decision. Our Resources section explains the concepts that actually drive your financing — in plain English, without the jargon.

LTV LTC ARV DSCR Points & Buydowns Conventional Exit Strategy The Four Pillars
Explore Resources
Let's Begin

Let's understand your situation first — then find the right path.

Whether you're buying your first home, growing a portfolio, or financing your next project, it starts with a free, no-obligation conversation. Tell us your goal, and we'll respond within one business day.

Book a Free Consultation Speak With a Specialist Start Pre-Approval

mam@kyoncapital.com · 407-378-4072 · WhatsApp 407-777-1273 · We welcome you in English, Portuguese, and Spanish.