Broker, not a lenderHard Money Lenders inWichita, Kansas
Fix and flip, DSCR rental and new construction financing for Wichita 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 a Wichita deal right now
Prefilled with a realistic Wichita 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 Wichita
Wichita is an aircraft town with low entry prices and quick sales, which makes it one of the more forgiving places in the middle of the country to flip. The plants and McConnell Air Force Base anchor the job base. The flip stock ranges from 1910s and 1920s homes in College Hill and Riverside to mid-century ranches with basements across the east and south sides, and the rehabs are usually straightforward.
In Wichita, a deal depends on the neighborhood more than the house. College Hill, Riverside and Delano are established, character neighborhoods where buyers pay for original details kept intact. Hilltop, Planeview and the south side are working-class ranch neighborhoods where the buyer is watching the monthly payment, so a durable, simple finish is the right call. Houses here sell fast, which keeps holding costs low, but only when the list price matches the street.
What a Wichita deal looks like on paper
Wichita example: $125,000 purchase, $40,000 rehab, $235,000 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 Hilltop-area ranch with a basement: roof, furnace and AC, kitchen, bath, flooring and a dry basement. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (10%)You$12,500
- Origination (2%)Lender$3,050
- Doc prepLender$749
- Broker fee (1%)Broker$2,000
- Title and closingTitle$3,089
- Prepaid interest (15 days)Lender$751
- Property insuranceInsurer$1,568
- AppraisalAppraiser$550
Interest while you rehab: $1,124 a month on the $112,500 funded at closing, $1,524 once every draw is out. Proof of funds is cash to close plus $12,000 of rehab reserve and $9,142 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 Wichita
| 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 Wichita comps say
Redfin puts the Wichita median sale price at $255K for the three months ending August 2026, essentially flat from a year earlier, with homes selling after about 20 days on the market.
| Median sale price, Wichita (Redfin, 3 months to Aug 2026) | $255K |
| Days on market, Wichita (Redfin) | 20 |
| Median sale price per square foot, Wichita (Redfin) | $135 |
Sources: Redfin, Wichita housing market · Sedgwick County, MABCD permits
How a Wichita file actually gets priced
Wichita comps are tight and local. We pull closed sales from the same neighborhood inside about three months, and we keep east-side ranches separate from the older homes near downtown because they appeal to different buyers. With entry prices this low, the rehab budget is a large share of the total cost, so we look closely at the scope: the roof, furnace and water in the basement are the three lines that most often come in over budget. A clean contractor bid does more for a Wichita file than a high ARV.
Kansas weather is the headline: hail and tornado season wear on roofs, and insurers look hard at roof age and condition. Most houses have basements, so check for water, foundation cracks and bowed walls before you close. Some low areas near the Arkansas River and the drainage channels sit in a mapped floodplain, so check the address. Permits for the City of Wichita and unincorporated Sedgwick County go through the Metropolitan Area Building and Construction Department (MABCD), which also answers floodplain questions for a site.
Who buys your finished Wichita deal
A finished Wichita house sells to a local first-time buyer, a plant worker or a military family from McConnell, often with FHA or VA financing, and priced-right homes go under contract quickly. The ceiling is real, though. Buyers here have lots of choices below the city median, so over-improving the house won’t pay you back. When the resale margin is thin, the rent-to-price ratio makes a DSCR hold a practical way out.
Your whole loan, in one portal
Apply once and the whole Wichita 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 Wichita
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Wichita.
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 Wichita
We broker deals across the whole Wichita 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.
Wichita hard money FAQ
Do you lend hard money in Wichita?
Which fix and flip programs apply in Wichita?
How fast can a Wichita hard money loan close?
How much do I need to bring to close on a Wichita flip?
Do you fund the rehab budget in Wichita?
What credit score do I need for a Wichita fix and flip loan?
Can I refinance a Wichita flip into a rental loan?
Can I flip my first house in Wichita with a hard money loan?
Who handles building permits for a Wichita flip?
Before you sign anything
Ready to fund your Wichita deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.