Hard Money Loans in Kansas

Looking for fast, flexible financing for your real estate projects in Kansas state? Our hard money loans are designed for investors seeking short-term funding for fix-and-flip properties, ground-up construction, or renovation projects.

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Reasons to Choose Investors Mortgage Group for Your Kansas Hard Money Loan

Over 200

Funded Deals

$80M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including Florida

How Hard Money Loans Are Assessed in Kansas

We provide fast and reliable funding for real estate investors in Kansas. Here’s a clear look at how we review fix-and-flip opportunities across the state, ensuring every deal meets our standards:

Focus on Profitable Projects

We fund deals with strong potential for success. Key considerations include:

Loans up to 75% of After Repair Value (ARV)

Projects targeting at least 20% projected ROI

ARV backed by verifiable sold comps, not inflated listings
We aim for projects that create a win-win scenario, helping investors succeed.

Aligning Rehab Scope With Experience

Financing options expand as investors build their track record:

Beginner investors: Moderate rehab projects (rehab ≤ 50% of purchase price)

Intermediate investors: Larger rehab projects (rehab ≤ 100% of purchase price)

Experienced investors: Complex or expansion projects with multiple prior flips
Most successful investors follow a repeatable strategy, focusing on light and moderate rehabs.

Rewarding Creditworthy Borrowers

Although loans are primarily asset-based, credit still plays a role:

Strong credit is a key indicator of successful fix-and-flip outcomes

High credit utilization is common among investors and generally acceptable

Credit scores above 660 are ideal for financing approval

Lending in Key Kansas Submarkets

Loan leverage is adjusted based on local market strength:

Up to 75% of ARV in strong housing markets

More conservative leverage (around 65% of ARV) in softer markets
Kansas markets like Kansas City, Wichita, and Topeka continue to show steady rental demand and accessible entry points for investors. We support both beginner and experienced investors across the state.

Kansas Hard Money Loan Products

Kansas Fix-and-Flip Loans

Purchase & Rehab Financing

Loan amounts ranging from $50,000 to $3,000,000
Competitive interest rates between 10.5% – 11.75%
Origination fees starting at 1.5%
Financing available for up to 90% of the purchase price and 100% of rehab costs

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Kansas DSCR Loans

30-year DSCR financing options for income-producing properties

Loan Amount: Up to $2,000,000
Interest Rate: 6.25% – 7.99%
Origination Fee: Starting at 0%
Loan-to-Value: Up to 80%
Eligible Properties: Short-term and long-term rentals

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Ground-Up Construction Loans

Financing for new construction projects and building completions.

Loan Amount: Up to $3,000,000
Interest Rate: 10.99% – 12.25%
Origination Fee: Starting at 2.0%
Loan-to-Cost: Up to 75% of purchase and 100% of construction costs
Maximum LTC: Up to 90%

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State
Kansas

Loan Type
Fix and Flip

Loan Amount
$505,000

Loan Amount (if applicable)
80% of Purchase + 100% Of Rehab

Rate
10.00%

Points
2.5%

Kansas Deal Summary

A first-time investor received a $102,350 hard money loan for the purchase and renovation of a 3-bedroom, 1-bathroom, 1,259 sq. ft. property in Kansas City, KS.

The loan financed 80% of the purchase price and covered 100% of the $32,350 renovation budget, which included light cosmetic upgrades and a new roof.

The investor contributed a $17,500 down payment along with closing costs.

The loan request was submitted well in advance, and the closing was completed on schedule without any issues.

Frequently Asked Questions

How can I qualify for a hard money loan in Kansas?

To be eligible for a hard money loan in Kansas, you typically need to meet the following requirements:

A minimum credit score of 640 or higher

A profitable investment opportunity with at least a 10% return on investment (ROI)

A registered LLC or corporation in Kansas

Which property types are eligible for hard money financing in Kansas?

Hard money financing in Texas can be used for several types of real estate investments, such as:

Single-family and small residential properties (1–4 units)

Medium-sized multifamily properties (5–25 units)

Certain commercial real estate projects

What interest rates and loan terms are available for hard money loans in Kansas?

Interest rates for hard money loans in Kansas typically vary based on the borrower’s experience and credit profile. Rates generally range between 10.5% and 11.5%. For fix-and-flip projects, the average rate is around 10.75%, offered as an interest-only loan with no prepayment penalty.

How is the loan-to-value (LTV) calculated for hard money loans in Kansas?

The loan amount is determined using several factors related to the project and investor profile. In general, first-time investors may qualify for financing of up to 80% of the purchase price plus 100% of the renovation costs. More experienced investors can access higher leverage, with financing of up to 90% of the purchase price along with 100% of the rehab budget.

Can a hard money loan be used for rental properties in Kansas?

Yes, a hard money loan can be used to acquire and renovate a rental property in Kansas. Once the property is stabilized, it can be refinanced into a DSCR loan. If the property is already rent-ready at the time of purchase, hard money financing may not be necessary, and you can move directly into DSCR financing.