Hard Money Lenders in Kansas City, MO | Fix & Flip Loans | Capital Kings LLC
Broker, not a lender

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 & Mortgage Broker · September 2026
How we work

What you get working with us

400+
Lenders we shop your deal across
7 to 10
Days to close, typical
100%
Of rehab funded, released in draws
8.99%
Rates from, in Missouri
Run the numbers

Price a Kansas City deal right now

Prefilled with a realistic Kansas City deal. Change any number and it reprices instantly on the lanes licensed in Missouri, using the same engine behind our term sheets.

Enter your numbers to see the program, loan size and cash to close.
Get a real term sheet →Same math as our term sheet. No credit pull, nothing saved.
The market

Financing a deal in Kansas City

Kansas City, Missouri is one of the easiest big-city flip markets in the country 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.

A real term sheet

What a Kansas City deal looks like on paper

Kansas City example: $170,000 purchase, $55,000 rehab, $310,000 after repair value, 730 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$37,037
Proof of funds to show$61,353
Where the $37,037 goes
  • Down payment (15%)You$25,500
  • Origination (0.5%)Lender$2,000
  • Doc prepLender$749
  • Broker fee (1%)Broker$2,000
  • Title and closingTitle$3,322
  • Prepaid interest (15 days)Lender$778
  • 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.

Programs

What we can fund in Kansas City

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15%700+First flip OK8.99% to 9.49%0.5%75% of ARV12 months14 days
5% Down, 3+ Flips15%600+3+ completed flips11.00% to 12.00%2%75% of ARV12 months7-14 days
5% Down, 5+ Flips25%660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
Fastest Close (3 days)10%No minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
  2. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.

Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Market read

What the Kansas City comps say

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

Underwriting

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.

The exit

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.

After you apply

Your whole loan, in one portal

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.
What happens after you apply →Tour the borrower portal
Loan products

What we fund in Kansas City

Fix & Flip

Purchase plus 100% of rehab, released in draws. The core product in Kansas City.

From 8.99% · as little as 10% down

DSCR Rental

Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.

30-year · no income docs

New Construction

Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.

Land + build financing
Coverage

Where we lend in Kansas City

We broker deals across the whole Kansas City market. These are the submarkets investors ask us about most:

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)Ruskin and Hickman Mills (64134)
Process

From deal to funded

01

Send the deal

Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.

02

We shop it

Your scenario goes to the lenders in our network that actually fit it and are licensed in Missouri, not all 400 at once.

03

Real terms back

Rate, origination, leverage and cash to close side by side, so you can compare on total cost.

04

Close

7 to 10 days typical. We stay on title and the lender through funding.

Questions

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 September 2026: Best Rate (15% down, from 8.99%); 5% Down, 3+ Flips (5% down, from 11.00%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ 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?
Most Kansas City fix and flip files close in 7 to 10 business days. Clean files with title opened and the appraisal ordered early can close in as few as 5. The delays we see are almost never the lender, they are title issues and slow document returns on the borrower side.
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 730 credit, first flip: $25,500 down (15%) and $37,037 total cash to close, with $61,353 of proof of funds to show the lender. The lowest down payment lane in Kansas City is 10%. 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 best pricing needs 700 or higher, and it improves again at 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. Missouri has a priced lane that takes a first flip at 15% down with 700 credit, plus a fast-close lane that works around thinner credit at a higher rate. The 5% down lanes in Missouri want three or more completed flips, so we don’t promise those to a first-timer. 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: the Missouri side has first-flip programs, while the priced programs on the Kansas side of State Line Road want completed flips. 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.
Who you are working with
Micah Foster
Founder & Mortgage Broker
Micah Foster
Micah brokers Non-QM and hard money loans for real estate investors across 37 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.
Send Micah your Kansas City deal →
Keep reading

Before you sign anything

Hard Money
Points, fees & rate: how to compare hard money lenders
Read article →
Draws
How construction draws and the rehab holdback actually work
Read article →
Loan Cost
Dutch vs standard interest: what it really costs you
Read article →
Cash Needed
Cash to close on a flip: the number most investors miss
Read article →
Hard money in St. Louis →Hard money in Springfield →Hard money in Des Moines →All Missouri coverage →

Ready to fund your Kansas City deal?

Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.

Start application →Get a pre-approval letter