Metro Funding USA · Investor Capital
The Capital That
Moves When You Do.
You found the deal. You ran the numbers. Now you need a capital partner who understands both sides of the table — the real estate and the financing. That's exactly what I do.
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Your Capital Partner
Kay FrancisMeet Your Advisor
I'm Kay Francis.
The advisor behind the deal.
REALTOR®, Investor Advisor, and Metro Funding Capital Partner — based right here in Metro Atlanta, Georgia. I've built my practice around one belief: the right advisor changes the deal before it ever gets to the lender.
My role isn't just helping you get funded. It's helping you make smarter investment decisions before you ever go under contract — analyzing the opportunity, stress-testing the numbers, and structuring the financing around your actual exit strategy.
I know South Fulton. I know Douglasville. I know the deals that look good on paper and the ones that only look good if you know the market. That market knowledge is what I bring to every client relationship.
The Kay Francis Difference
How I help investors
from opportunity to exit.
Deal Structures · How It Works in Practice
What a well-structured
Metro Atlanta deal looks like.
South Fulton County
- Purchase Price$180,000
- Rehab Budget$150,000
- After Repair Value$450,000
- Loan ProductFix & Flip · 90% LTC
- Timeline8 months
Douglas County
- Purchase Price$220,000
- Rehab Budget$45,000
- Stabilized Value$340,000
- Loan ProductBridge to Refi
- Monthly Rent$2,100
Macon-Bibb Corridor
- Land Acquisition$55,000
- Build Cost$210,000
- Projected ARV$385,000
- Loan ProductGround-Up · 85% LTC
- BuilderVerified GC · on file
* These are educational deal structures illustrating how Metro Funding USA loan products apply to typical Metro Atlanta investment scenarios. Numbers are for illustration only — not a guarantee of results. Your actual deal terms, costs, and returns will vary based on property condition, market conditions, and borrower qualification. Run your specific numbers in the calculator above, or book a strategy call with Kay to analyze your actual deal.
Metro Loan Products
Flexible capital
for real-world deals.
Rehab Acquisition Loan
Purchase and rehab in one draw. For investors who move fast on distressed properties and need a lender that matches their pace.
- Loan-to-CostUp to 90% LTC
- ARV CapUp to 75%
- Term6–18 months
- Close Time7–14 business days
- Min. Credit620+
Bridge to Refinance
Buy. Rehab. Rent. Refinance. Repeat. Funds acquisition and renovation while you stabilize, then hands off cleanly to your conventional refi.
- Loan-to-CostUp to 85% LTC
- Stabilized ARVUp to 70%
- Term12–24 months
- Rental IncomeConsidered in UW
- ExitPortfolio refi ready
Ground-Up Build Loan
Land plus vertical construction in one package. Milestone-based draws — capital flows as your project moves forward.
- Land + BuildUp to 85% LTC
- ARV CoverageUp to 70%
- Term12–18 months
- DrawsMilestone-based
- BuilderExperience required
Multi-Asset Bridge Loan
Cross-collateralize across your portfolio — unlock equity in stabilized assets to fund your next acquisition without the slow conventional process.
- Blended LTVUp to 70%
- Properties2–10 assets
- Term6–24 months
- EntityLLC required
- Experience2+ flips preferred
Metro Deal Calculator
Run your numbers
before you run to the table.
Plug in your deal and get an instant snapshot of estimated loan, monthly carry, and profit spread.
* Estimates only. Not a loan commitment. Subject to Metro Funding USA underwriting, appraisal, and borrower qualification. Does not include closing costs, origination points, or non-interest holding costs.
Your Next Step
Let's structure
your deal.
Investors don't need a conversation. They need a plan. Fill this out and I'll reach back within one business day with the right product, the right structure, and a clear path to close.
- ✦Pre-qualification in 24 hours — know where you stand before you write the offer.
- ✦Deal structure strategy — right product matched to your exit, not just your purchase.
- ✦Georgia market expertise — South Fulton, Douglasville, Macon-Bibb, Metro Atlanta.
- ✦One advisor. Both sides. — Realtor + capital partner in one relationship.
Structure My Deal
Private. Never sold. Clarity. Care. Confidence.
You're on my radar.
I'll reach out within one business day with a clear deal structure plan for you.