Broker, not a lenderHard 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.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price an Overland Park deal right now
Prefilled with a realistic Overland Park deal. Change any number and it reprices instantly on the lanes licensed in Kansas, using the same engine behind our term sheets.
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, 730 credit, first flip. The engine puts that borrower on the Fastest Close (3 days) program at 11.99%. 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.
- Down payment (10%)You$25,500
- Origination (2%)Lender$5,790
- Doc prepLender$749
- Broker fee (1%)Broker$2,895
- Title and closingTitle$3,766
- Prepaid interest (15 days)Lender$1,426
- Property insuranceInsurer$2,993
- AppraisalAppraiser$550
Interest while you rehab: $2,293 a month on the $229,500 funded at closing, $2,893 once every draw is out. Proof of funds is cash to close plus $16,200 of rehab reserve and $17,356 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Overland Park
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Experienced Investor Rate1 | 15% | 680+ | 2+ completed flips | 9.00% | 0.75% | 75% of ARV | 12-24 months | 7-14 days |
| 5% Down, 3+ Flips2 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips3 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| Fastest Close (3 days) | 10% | No minimum | First flip OK | 11.99% | 2% | 75% of ARV | 6 months | 72 hours |
- Rate and origination are the program floor; two completed projects in the last 36 months preferred.
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- 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.
What the Overland Park comps say
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.
Your whole loan, in one portal
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.
What we fund in Overland Park
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Overland Park.
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.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Overland Park
We broker deals across the whole Overland Park market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Kansas, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Overland Park hard money FAQ
Do you lend hard money in Overland Park?
Which fix and flip programs apply in Overland Park?
How fast can an Overland Park hard money loan close?
How much do I need to bring to close on an Overland Park flip?
Do you fund the rehab budget in Overland Park?
What credit score do I need for an Overland Park fix and flip loan?
Can I refinance an Overland Park flip into a rental loan?
Do I need a permit to finish a basement on an Overland Park flip?
What experience do I need to flip in Overland Park?
Before you sign anything
Ready to fund your Overland Park deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.