Crossroads Investment Lending

Crossroads Investment Lending is a private real estate lender based in Overland Park, Kansas, specializing in short-term financing for real estate investors throughout the greater Kansas City area. The company primarily offers fix-and-flip, bridge, cash-out, and DSCR rental loans with a focus on fast local underwriting and funding.

Kansas City Locally-Owned Hard Money Lender for Real Estate Investors

Crossroads Investment Lending was established in 2014. We provide business-purpose, hard money loans to real estate investors. As a hard money lender, our underwriting is primarily based on the investment property. We work hard to help Kansas City investors achieve their real estate investment goals. We can usually close in as few as 10 business days.

100% Financing for rehab project (no money down)
Up to 70% loan-to-after-repair value
No experience required
600+ FICO score required
No prepayment penalty
Equity Cash Out bridge loans
Land loans up to 60% LTV
DSCR long-term rental loans

Please note: We do NOT consider owner-occupied homes or ground-up construction loans.

Common Loan Scenarios

1-4 Family Residential Property
Fix & Flip (or rent)
Short-term Bridge Loans
Cash Out Loans
Vacant Land Loans
Will lend to Newbie Investors
600+ credit score required
Rural areas within KC metro

Scenarios Not Considered

Commercial Properties
Multifamily with more than 4 units
Ground-Up Construction loans
Foreign Nationals
2nd mortgages
Gap Funding
Owner-Occupied Home Loans
Consumer Mortgages

Details and Requirements

Property Geographic Area Details

We only lend in the Greater Kansas City Metro Area. On the Missouri side, we lend in 9 counties: Jackson, Clay, Platte, Cass, Lafayette, Buchanan, Clinton, DeKalb, Johnson. In Kansas State, we lend in 8 counties: Douglas, Johnson, Miami, Wyandotte, Leavenworth, Shawnee, Atchison, Franklin.

Loan Amounts

$50,000 to $2,000,000

Interest Rates

9.9% to 14.9%

Origination Fees

3.0% to 4.9%

Loan Terms

6 to 12 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

We require a 600+ FICO score.

Minimum Credit Score Required

600

Prepayment Penalty

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only

Personal Guaranty (Recourse) Required

Always

Borrower Entity Types Considered

LLC
Corporation

Documentation Required

Credit Report
Bank Statements
Loan Application

Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Do Not Lend on Commercial Property

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Do Not Lend on Commercial Property

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

Will Consider Equity Joint Venture

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Value Add Project

Property Occupancy

Vacant
Tenant Occupied 100%

Last updated: August 1, 2026

Crossroads Investment Lending’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$41,455,417

12mo Loan Count

201

Total Loan Volume

$140,891,352

Average Loan Size

$155,853

Loan Count by State (Past 12 Months)

MO: 137, KS: 64

Data provided by

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Company Quick Facts

Year Established: 2014
Headquarters: Overland Park, Kansas
Company Type: Private direct real estate lender
Geographic Focus: Greater Kansas City metropolitan area
Primary Customers: Real estate investors
Loan Types: Fix & Flip Loans, Bridge Loans, Cash-Out Loans, DSCR Rental Loans
Property Types: Non-owner occupied residential investment properties
Loan Amounts: $50,000 to $2 million (varies by loan program)
Maximum Leverage: Up to 75% LTARV (Fix & Flip), up to 70% LTV (Bridge), up to 65% LTV (Cash-Out), up to 80% LTV (DSCR)
Loan Terms: 6, 9, or 12 months for bridge products; 30-year DSCR loans
Minimum Credit Score: 600 for most bridge products; 660 for DSCR loans
Company Size: 13
Capital Model: Direct balance sheet lender

Office Locations

Crossroads Investment Lending

7803 Shawnee Mission Pkwy, Overland Park, Kansas 66202

Connect with Crossroads Investment Lending:

Our Team

Chuck Reeves

General Manager

Jaron Gordon

Controller

Nadir Alaiwat

Business Development Manager

Britton Asbell

Business Development Manager

Matt Girrens

Loan Servicing Manager

Cindy Brown

Loan Processor

Our minimum loan amount is $50,000

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