You send us a borrower. Every loan they ever close with us pays you a $500 referral fee. Not just the first one. If that same investor closes their fourth flip with me, you still get paid on deal four. Inside my system, every one of these fees carries a tag that reads 5 For Life, and that's the whole program in three words: five hundred, for life.

If you've never heard of a lender doing this, that's because most of them legally can't. I'll get to why in a minute. First, here's how it works.

How the $500 Referral Fee Works

There's no contract to negotiate and no minimum volume to hit. It's three steps:

  1. Send me a borrower. Text or email me an introduction with their name and number, or just give me a heads-up that they're coming. My personal cell is (281) 636-5682. You can also create a free partner account, submit the deal in the portal, and follow every stage from your referral tracker. Either way, that contact is on record as yours in my CRM.
  2. We handle the financing. We get your investor pre-approved, then handle the term sheet, underwriting, and closing documents. You're not processing paperwork or chasing conditions. Your part ended with the introduction.
  3. You collect $500 when it closes. The moment the deal funds, my system creates the fee record automatically. The money goes out by Zelle or wire, whichever you prefer, as fast as the same day. When that borrower closes again, you get paid again.
Partner Portal · Referral Fees
Capital Kings partner portal earnings dashboard showing paid, upcoming, and lifetime referral fee totals above the three-step program strip ending in You collect $500.
The partner earnings dashboard. Paid, upcoming, and lifetime totals at the top, and the whole program spelled out under them.

The Application Asks Who Sent Them

"Did I actually get credit?" is the question that kills most referral arrangements, so I built the answer into the application itself. When your investor applies, one of the steps asks how they heard about Capital Kings. If they answer "Referral," it asks who sent them, right there in the flow. You don't have to log anything for your intro to count.

The Live Application
The Capital Kings loan application step titled Who referred you, collecting the referrer's name, email, and phone.
Straight from the live application. Your investor names you while applying, even if you never touched the portal.

Their answer is saved to the deal on my side and stays there through closing. And if your investor blanks on your name in the middle of the application, nothing is lost. Shoot me a text and I'll add you to the deal after they apply.

The Deal Record · My Side
A Capital Kings deal record showing the borrower contact card with a Referred By row crediting the referring realtor.
What I see on every referred deal (sample deal shown). The referrer rides on the borrower's contact card from application to closing.

Why Most Lenders Can't Pay You (and Why I Can)

Most agents have never had this part explained to them, and it's simpler than it sounds. Consumer mortgages (the loan someone takes to buy the house they live in) fall under a federal law called RESPA. Section 8 of RESPA bans referral fees on those loans outright. No lender, loan officer, or title company can pay you for sending them a homebuyer, and the penalties are steep enough that nobody tries.

That ban is the reason a lender offering referral fees sounds made up. For most of the mortgage world, it is.

But RESPA's ban covers consumer purpose loans. A business purpose loan, meaning money lent to an investor for an investment property, sits outside it, and that's all I do: fix and flip loans, DSCR rental loans, bridge loans, and new construction. On those loans a referral fee is legal and normal. I also think it's the right way to treat the person who made the deal happen.

Consumer purpose
A House to Live In
The loan someone takes to buy the house they live in. Section 8 of RESPA applies.
Who can't pay you
LenderLoan officerTitle company
Referral fees banned
Business purpose
An Investment Property
Money lent to an investor for an investment property. Outside RESPA's ban.
Loans I broker
Fix and flipDSCR rentalBridgeNew construction
Referral fee is legal
One caveat: I'm squeezing a dense federal law into three paragraphs, and I'm a broker, not an attorney. If you hold a real estate license, your brokerage may also have its own policy on outside referral income. It's worth a two-minute conversation with your broker before the fees start landing.

So Who Actually Pays the $500?

Me. When a loan closes, I earn a broker fee for placing it, and the $500 comes out of that. Your client's rate, origination, and cash to close are the same whether they came through you or found me on the website. If sending me business made your client's loan more expensive, you'd stop sending it, and you'd be right to.

Most of our business comes from realtors and the people they introduce. That's the real reason this program exists. I think the people who built this brokerage should share in it.

The fee comes out of my pocket. Your client's pricing doesn't even know you exist.

The Infinite Part Is the Whole Point

Forget the $500 for a second and look at how often a real investor closes. The average homeowner buys a house once every seven years. An active flipper can close several loans a year, and you get paid on every one of them.

One Referred Flipper · First Two Years (Example)
$2,500
paid through Close 5
Close 1Paid+$500total $500
Close 2Paid+$500total $1,000
Close 3Paid+$500total $1,500
Close 4Paid+$500total $2,000
Close 5Paid+$500total $2,500
∞Every close after that+$500forever
The running ledger from one referred borrower who keeps closing. This is a labeled example, not a promise: some referrals never close a deal. The ones who do tend to keep closing, and five closings over two years is a realistic pace for an active flipper.

You See Everything

The partner portal gives you a live tracker of every borrower you've sent, how many times each one has closed, and what they've earned you. Every fee shows as pending, approved, or paid, and the status changes as the deal moves.

Partner Portal · Your Referred Borrowers
Capital Kings referral tracker listing referred borrowers with closings, stage chips like terms out, and per-borrower earnings such as $1,000 paid.
The referred borrowers tracker. Every intro you make shows up here, with a stage label while the loan is in process and a running total once fees start landing.

The Fine Print, In Plain English

  • Fees pay on funded closings only. An introduction that never closes pays nothing. I only make money when a loan closes, and your fee follows the same rule.
  • It's taxable income. Once your fees for the year pass the IRS reporting threshold, I'll need a completed W-9 from you before the next payout goes out, and you'll get a 1099 from me at tax time.
  • Licensed agents: check your brokerage's policy on outside referral income. Most are fine with it on business purpose loans. Ask anyway.
  • No cap, no expiration. These terms are current as of August 2026. If the program ever changes, the fees you've already earned stay yours.

Frequently Asked Questions

How much is the Capital Kings referral fee?
$500 per closing, not per borrower. If the investor you referred closes three loans with us this year, that's three separate $500 fees. There's no cap on how many people you refer and no expiration on how long a referral keeps paying.
Is it legal for a realtor to accept a referral fee from a hard money broker?
On the loans we broker, yes. RESPA (the federal law behind the referral fee ban) applies to consumer purpose mortgages, the loan someone takes to buy the home they live in. We broker business purpose loans to investors: fix and flip, DSCR rental, bridge, and new construction. Those fall outside RESPA's ban. If you hold a license, check whether your brokerage has its own policy on outside referral income.
When do I actually get paid?
When the loan funds. The moment a deal closes, our system creates a fee record automatically, and the payout goes out by Zelle or wire, whichever you prefer, as fast as the same day. You can watch every fee move from pending to approved to paid in the partner portal. An introduction that never closes doesn't pay anything.
Does the referral fee cost my client anything?
No. We earn a broker fee for placing the loan, and the $500 comes out of that. Your client's rate, origination, and cash to close are the same whether they came through a referral or found us on their own.
Does this stack with my commission if I am the agent on the deal?
Yes. If you're the agent on the purchase, nothing about your commission changes. The referral fee is separate money, and it comes from me. It also works on people you're not transacting with at all, like the investor you sold a duplex to last year or the past client who keeps texting you lending questions. Those introductions cost you nothing, and each one can turn into a fee that keeps repeating.
What kinds of loans qualify?
Every loan we broker: fix and flip, DSCR rental, bridge, and new construction financing for real estate investors. These are all business purpose loans on investment property. We don't do consumer mortgages, so there's no gray area to worry about.
Do I have to be a realtor or a wholesaler?
No. I built the program around realtors and wholesalers, but anyone who knows real estate investors can refer. The partner account is free, and if you'd rather skip the portal entirely, a text introduction works too.

Know One Investor? That's a Referral.

Create a free partner account, add them to your tracker, and watch every stage from application to the day your $500 lands. Prefer to skip the portal? Text me the intro at (281) 636-5682 and I'll log it on my side. The fee is the same either way. You can see the full program, including the free deal toolkit that comes with it, on the partner program page.

Open the Partner Portal →