Hard Money Lenders in Kansas City, MO | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inKansas City, Missouri

Fix and flip, DSCR rental and new construction financing for Kansas City investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Kansas City deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, September 2026

Price a Kansas City deal right now

Prefilled with a realistic Kansas City deal. Change any number and it reprices on the programs that lend in Missouri, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Kansas City

Kansas City, Missouri is a big-city flip market that’s easy to get a handle on: brick and frame houses from the 1910s through the 1950s, basements almost everywhere, and a buyer pool that has kept finished homes moving quickly even as prices flattened elsewhere. The city is also split by a state line, and that matters for financing. This page covers the Missouri side, where a first flip can be priced; the Kansas side of State Line Road runs on different programs.

The Kansas City deal turns on where you are relative to Troost and the river. South of Brush Creek, Waldo and the streets around Brookside carry the prices that make a full renovation pay, and a clean bungalow there sells to a young professional in days. The historic Northeast is where the cheap buys and the big old houses are, with real upside and real variance block by block. North of the river, the Northland is 1950s and 60s ranches and split-levels, simpler to renovate and easier to comp. Pick the sub-market first, then the house, because the same rehab budget produces very different ARVs a few miles apart.

What a Kansas City deal looks like on paper

Kansas City example: $170,000 purchase, $55,000 rehab, $310,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Think a 1940s Waldo bungalow: tuckpointing and a new roof, a kitchen, a second bath, a sewer lateral scope and a basement that stays dry. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$199,500
Cash to close$38,063
Proof of funds to show$62,379
Where the $38,063 goes
  • Down payment (15% of the purchase)You$25,500
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,322
  • Prepaid interest (15 days)Lender$564
  • Property insuranceInsurer$2,138
  • AppraisalAppraiser$550

Interest while you rehab: $1,143 a month on the $144,500 funded at closing, $1,578 once every draw is out. Proof of funds is cash to close plus $14,850 of rehab reserve and $9,466 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Kansas City

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
Fastest Close (3 days)10% of purchaseNo minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Kansas City prices sit right now

Before we price a Kansas City flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Kansas City, Missouri median sale price at $310,000 for the three months ending August 2026, about 3% above a year earlier, with homes selling in around 19 days. Zillow’s home value index for the city is $253,549, up 1.7% over the year, with homes going pending in about 10 days. The Northeast shows the spread inside the city: Zillow puts Pendleton Heights at $236,771 and Scarritt Point at $147,772, while Columbus Park runs $326,274.

Median sale price, Kansas City MO (Redfin, 3 months to Aug 2026)$310,000
Days on market, Kansas City MO (Redfin)19
Zillow home value index, Kansas City MO (Aug 2026)$253,549
Zillow home value index, Pendleton Heights$236,771
Zillow home value index, Scarritt Point$147,772
Zillow home value index, Columbus Park$326,274

Sources: Redfin, Kansas City MO housing market, Zillow, Kansas City MO home values, City of Kansas City, Healthy Homes Rental Inspection Program

How a Kansas City file actually gets priced

Appraisers in Jackson and Clay counties comp on closed sales inside the neighborhood and are skeptical of anything that jumps a known boundary, so a Brookside comp doesn’t carry a Marlborough house and a Northland ranch won’t borrow from Waldo. We set the ARV on sales from the last 90 days on the same side of the river, and we check days on market on each comp, because a comp that sat for two months tells you something about the ceiling. On the older brick stock we want the foundation, the sewer lateral and the electrical looked at before you close; clay-tile laterals and knob-and-tube wiring show up constantly in pre-war Kansas City houses.

Flooding follows the creeks here: Brush Creek, Indian Creek, the Blue River and Turkey Creek have all flooded neighborhoods in living memory, so pull the flood layer on anything low. The bigger practical issue is the city’s Healthy Homes Rental Inspection Program, in place since 2018, which requires every rental in Kansas City, Missouri to be registered and lets the city inspect and suspend a landlord’s permit over unresolved violations; if your flip ends as a rental, budget for that standard. Permits run through the city’s online permit system, and work inside a historic district needs landmarks review for exterior changes. Hail is the insurance story, so the roof age matters on every file.

Who buys your finished Kansas City deal

Most finished Kansas City houses sell to owner-occupants: young professionals and families in Waldo, Brookside-adjacent streets and Midtown, first-time buyers in the Northland and South KC, plus a steady flow of relocating buyers from Los Angeles, Denver and Chicago who think local prices are a bargain. Those buyers are active, so a well-priced house doesn’t wait long. The other exit is the rental. Kansas City rents hold up well against purchase prices, which is why so many investors hold here, and a DSCR refinance is a practical plan B on a Northeast or South KC house when the sale number comes in light.

What happens after you apply

Apply once and the whole Kansas City loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Kansas City

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Missouri →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Missouri →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Missouri →

Where we lend in Kansas City

We broker deals across the whole Kansas City market. The submarkets investors ask us about most are Waldo and Brookside fringe (64114 / 64113), Marlborough and South Kansas City (64131 / 64132), Historic Northeast: Pendleton Heights, Scarritt Point, Indian Mound (64124 / 64123), Midtown, Hyde Park and Squier Park (64111 / 64109), Northland, Gashland and Antioch (64118 / 64119) and Ruskin and Hickman Mills (64134).

How long does a Kansas City loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Missouri, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Kansas City hard money FAQ

Do you lend hard money in Kansas City?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Kansas City scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Missouri, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Kansas City?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips); Fastest Close (3 days) (10% down, from 11.99%). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Kansas City hard money loan close?
As little as 72 hours. Most Kansas City fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Kansas City flip?
The worked example on this page is a $170,000 Kansas City purchase with a $55,000 rehab and a $310,000 after repair value at 700 credit, first flip: $25,500 down (15% of the purchase) and $38,063 total cash to close, with $62,379 of proof of funds to show the lender. The lowest down payment for a first flip in Kansas City is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Kansas City?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Kansas City fix and flip loan?
One Kansas City program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Kansas City flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Kansas City flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Can I finance a first flip in Kansas City, Missouri?
Yes. In Missouri a first flip can be priced at 15% down with 700+ credit (from 8.99%), 10% down with 660+ credit (from 9.99%) or 10% down with no credit minimum on the fastest-close program (from 11.99%). Programs that need completed flips: 7.5% down from 9.99% with 3+ flips; 5% down from 9.99% with 5+ flips; and 100% financing from 9.50% with 2+ flips when purchase plus rehab fits under 70% of ARV. The worked example and the calculator on this page use the first-flip borrower so you can see the real cash to close.
Does it matter whether the house is on the Missouri or Kansas side?
Yes, a lot. The lender footprints are different, so a few programs lend on one side of State Line Road and not the other; the Overland Park page shows the Kansas programs. Title, transfer and permitting rules differ too. Tell us the exact address up front. If you’re working both sides, we’ll show you which program fits each house rather than assuming one shelf covers the metro.
Do Kansas City rental rules affect a flip?
Only if you end up holding it. If the exit becomes a rental, the Healthy Homes program requires the house to be registered and to meet the city’s health and safety standards, and tenants can trigger an inspection. Renovate to that standard from the start and the DSCR fallback stays open.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Kansas City: St. Louis, Springfield, Des Moines, Kansas City, Independence and Olathe. More Missouri city guides: Columbia. Or see everything we fund in Missouri.

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