Khaled Morad - KCL Funding Group

Khaled Morad - KCL Funding Group Mortgage Loan Broker
KCL Funding Group
DBA of Go Rascal
NMLS #2096211
KCLFundingGroup.com I love the Tampa/St.

I'm originally from Buffalo, New York, where I was both a real estate professional and a school teacher. As a former educator, I understand the importance of making sure every client fully understands the mortgage process so they can feel good about the entire experience. This is why I make it a priority to provide my clients with excellent customer service, communication, and education. Whether y

ou are setting down new roots, or making investments for the future, I am here to support you every step of the way! Pete area, and I'm excited to help you on your real estate journey!

09/03/2026

You don't always need cash sitting in the bank to buy another investment property.

I used a HELOC on my current home to cover the down payment and closing costs on my second investment property.

The key was making sure the future rent would cover the HELOC payment and the new mortgage.

If you want to know how much equity you could access for another investment property, DM me.

09/02/2026

Buying one property at a time wasn't the end goal.

After starting with single-family homes, he realized he wanted better locations and more units under one roof.

That led him toward multifamily properties and eventually to a simple rule: if a property didn't have at least two doors, he wasn't interested.

As shares, your strategy doesn't have to stay the same as you grow.

🎥 Watch the full conversation on YouTube
🎧 Or listen to the full episode of Tampa REAL Tea on Spotify

Real conversations about real estate, business, investing, and the people behind it.

09/01/2026

A $500K home doesn't mean you need a $500K income.

With 5% down, you'd put $25K down and finance $475K.

Using the numbers in this example, the monthly payment comes to about $3,777. With no other debt, you'd need to make roughly $7,554 a month, or about $91K a year.

That's the payment. The real question is whether it fits comfortably in your budget.

Message me if you want to run the numbers for your situation.

08/31/2026

$50K investment properties pulled him into real estate.

Back in 2009, the market was at the bottom, and the goal was simple: save $10,000, buy a house, and repeat.

When Realtors weren't interested in those smaller deals, getting a license seemed like the easiest way to handle more of the process himself. Becoming an agent was never the plan. It just opened another door.

As shares, this was one of the early experiences that shaped his path in real estate.

🎥 Watch the full conversation on YouTube
🎧 Or listen to the full episode of Tampa REAL Tea on Spotify

Real conversations about real estate, business, investing, and the people behind it.

08/28/2026

Wholesaling is about finding the right buyer for the right property.
realestate works with a network of investors, sourcing properties at prices that make sense for them to renovate, hold, or resell.

The business is built on relationships and trust. Give investors good opportunities, help them avoid bad ones, and those relationships keep growing.

🎥 Watch the full conversation on YouTube
🎧 Or listen to the full episode of Tampa REAL Tea on Spotify

Real conversations about real estate, business, and the people building it in Tampa.

08/26/2026

A little competition never hurts.

Andrew said his short game was “in shambles,” so I figured I had a chance.

A few putts later, we found out who actually had the better game.

🎥 Watch the full conversation on YouTube
🎧 Or listen to the full episode of Tampa REAL Tea on Spotify

Real conversations about real estate, business, and the people behind it.

08/25/2026

Is a VA appraisal harder than a conventional appraisal?

Not necessarily. A VA mortgage appraisal checks the home’s value AND the VA’s minimum property requirements.

Peeling paint, exposed wiring, a bad roof, broken windows, or termites can cause problems and would need to be fixed. But ugly countertops and outdated cabinets are good as is. (Thankfully, or my own home might not qualify.)

Remember: a VA appraisal is also not a home inspection. I always recommend getting both.

A well-maintained home should not be afraid of a VA appraisal. (And neither should a seller. (cough* listing agents!)

Veterans, not every lender understands VA home loans. Make sure you are working with one who does.

08/24/2026

Not every real estate deal starts on the open market.

Andrew explains what a disposition agent does, how off-market properties find the right buyers, and why building strong relationships with investors is such an important part of the process.

In real estate, it's not just about finding opportunities. It's about connecting the right property with the right buyer at the right time.

Watch the full conversation on YouTube or listen to the full episode on Spotify for more insights on real estate, investing, and what happens behind the scenes of off-market deals.

08/21/2026

Sometimes the biggest career changes start with a single decision to try something new.

For .realestate it began with reading Think and Grow Rich, starting a podcast, meeting people in the Tampa Bay real estate community, and staying open to where those conversations could lead.

You don't always need the entire roadmap. You just need to be willing to take the first step and keep showing up.

Watch the full conversation on YouTube or listen to the full episode on Spotify for more insights on real estate, entrepreneurship, and building a career through relationships.

08/20/2026

A $100,000 annual salary could qualify you for a $548,000 loan or a $577,000 home with 5% down.

But maxing out your approval can leave very little room for savings, repairs, vacations, or anything else you enjoy spending money on.

Message me your income, debts, and down payment. I will show you what you can qualify for and what payment actually makes sense.

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Tampa, FL
33626

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