Hard Money Lenders in Overland Park, KS | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inOverland Park, Kansas

Fix and flip, DSCR rental and new construction financing for Overland Park 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 an Overland Park deal

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

Reviewed by Micah Foster, Founder & CEO, September 2026

Price an Overland Park deal right now

Prefilled with a realistic Overland Park deal. Change any number and it reprices on the programs that lend in Kansas, 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 Overland Park

Overland Park is the Kansas side of the Kansas City metro, and it’s one of the tightest markets we cover. Homes move quickly, and buyers come for Johnson County schools and short commutes. The flippable houses are in the north half of the city, where 1950s through 1970s ranches and split-levels near downtown Overland Park and along Metcalf haven’t been updated in decades. South of I-435, most of the housing is newer and rarely needs a full rehab.

The Overland Park deal is decided by the buy, because competition for dated houses is strong. North OP ranches draw other flippers, landlords and owner-occupants who plan to renovate themselves, so off-market sourcing and a quick close matter. Once you have the house, the upside is clear: buyers here pay for a modern kitchen, updated baths and a finished basement, and a house that’s done right doesn’t sit.

What an Overland Park deal looks like on paper

Overland Park example: $255,000 purchase, $60,000 rehab, $425,000 after repair value, 700 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Picture a 1950s ranch near downtown Overland Park: kitchen, baths, windows, a finished basement with a permit, and a new roof. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$283,500
Cash to close$51,346
Proof of funds to show$81,707
Where the $51,346 goes
  • Down payment (10% of purchase plus rehab)You$31,500
  • Origination (2.13%)Lender$6,024
  • Lender fees (flat)Lender$2,790
  • Broker fee (1%)Broker$2,835
  • Title and closing (estimate at Texas rates)Title$3,736
  • Prepaid interest (15 days)Lender$918
  • Property insuranceInsurer$2,993
  • AppraisalAppraiser$550

Interest while you rehab: $1,861 a month on the $223,500 funded at closing, $2,360 once every draw is out. Proof of funds is cash to close plus $16,200 of rehab reserve and $14,161 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 Overland Park

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Experienced Investor Rate115% of purchase680+2+ completed flips9.00%0.75%75% of ARV12-24 months7-14 days
First Flip, 10% Down210% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips37.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips45% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips50% (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 and origination are the program floor; two completed projects in the last 36 months preferred.
  2. 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.
  3. 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.
  4. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  5. 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 Overland Park prices sit right now

Before we price an Overland Park 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 Overland Park median sale price at $529K for the three months ending August 2026, up 3.7% from a year earlier, with homes selling in about 8 days.

Median sale price, Overland Park (Redfin, 3 months to Aug 2026)$529K
Days on market, Overland Park (Redfin)8
Year over year change in median (Redfin)+3.7%

Sources: Redfin, Overland Park housing market, City of Overland Park, permits, licenses and inspections

How an Overland Park file actually gets priced

Johnson County appraisals depend on school district and vintage. A north Overland Park ranch in the Shawnee Mission district is compared with its own neighborhood, not with a Blue Valley two-story, and appraisers here know those lines well. We use closed sales from the last 90 days and check whether each comp’s basement was finished. Because homes sell fast, the comps tend to be recent and reliable, which helps the ARV hold up at the buyer’s appraisal.

The risks here are mostly below grade and on the roof. Basements in the older ranches can show water seepage and foundation movement from clay soil, so budget for waterproofing or wall repair when the inspection points to it. Hail is common in the KC metro, and insurers ask about roof age. The city requires a permit for a basement finish or remodel that adds walls, circuits or plumbing drains, and exterior wall changes need one too. Permits run through the city’s building and construction office, so plan the timing.

Who buys your finished Overland Park deal

The finished north OP ranch sells to a young family who wants Johnson County schools at a lower price than the south side. That buyer usually has conventional financing and expects a clean inspection. Pricing is the main risk: a flip priced near the south side’s newer homes will sit, while one priced against recent sales on its own street usually sells quickly. Rentals are a possible fallback, but the rent-to-price math is tighter here than in Wichita, so plan on selling.

What happens after you apply

Apply once and the whole Overland Park 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 Overland Park

Fix and flip

10%down on a first flip
Rates
from 9.00% at 680+ credit with 2+ completed flips
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 Kansas →

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 Kansas →

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 Kansas →

Where we lend in Overland Park

We broker deals across the whole Overland Park market. The submarkets investors ask us about most are Downtown Overland Park (66204), Metcalf corridor and Brookridge (66212), Nall Hills area (66207), Central Overland Park (66210) and South Overland Park and Blue Valley (66213 / 66221).

How long does a Overland Park 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 Kansas, and the rate, origination, leverage and cash to close come back side by side. As little as 72 hours on the fastest program, 7-30 days on the others. We stay on title and the lender through funding.

Overland Park hard money FAQ

Do you lend hard money in Overland Park?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Overland Park 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 Kansas, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Overland Park?
As of October 2026: Experienced Investor Rate (15% down, from 9.00%, 2+ completed flips); 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 an Overland Park hard money loan close?
As little as 72 hours on the fastest-close program, which has no credit minimum. In Kansas, once the file is complete, the programs for investors with completed flips close in 7-14 days (10-14 on 5% down with 5+ flips, 21-30 on 7.5% down with 3+ flips) and a first flip on the 10% down program closes 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 an Overland Park flip?
The worked example on this page is a $255,000 Overland Park purchase with a $60,000 rehab and a $425,000 after repair value at 700 credit, first flip: $31,500 down (10% of purchase plus rehab) and $51,346 total cash to close, with $81,707 of proof of funds to show the lender. 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 Overland Park?
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 an Overland Park fix and flip loan?
One Overland Park program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 9.00%, needs 680+ credit and 2+ completed flips. Depending on the program, 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 an Overland Park flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way an Overland Park 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.
Do I need a permit to finish a basement on an Overland Park flip?
Yes. Overland Park requires a permit when a basement finish or remodel adds walls, extends electrical circuits or adds plumbing drains. That covers most basement projects on a flip. Pulling it keeps the finished space in the appraisal and keeps the buyer’s inspector from flagging it.
What experience do I need to flip in Overland Park?
None to get started. In Kansas a first flip can be priced at 10% down with 660+ credit (from 9.99%) or 10% down with no credit minimum on the fastest-close program (from 11.99%). Completed flips are what lower the down payment or the rate. Programs that need completed flips: 15% down from 9.00% with 2+ 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. At Overland Park prices, run the cash to close in the calculator before you write the offer.
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 Overland Park: Wichita and Omaha. More Kansas city guides: Kansas City, Olathe and Topeka. Or see everything we fund in Kansas.

Ready to fund your Overland Park deal?

Submit your scenario in about 5 minutes. We shop it and come back with real terms, not a generic rate sheet.

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