North Oak Investment
Kansas City, Missouri
Private Lending for Residential Rehabs in Kansas City Metro
North Oak is a direct private lender funded through a privately managed REIT supported by local Kansas City investors who care about the community. We provide short-term financing for residential investment properties for business purpose with all loans underwritten and serviced in-house. Programs offered include fix-and-flip, rehab, and bridge loans.
- Lending in Kansas City and surrounding areas
- Residential Properties only (1-4 units)
- Rehab loans up to 80% Loan-to-ARV for experienced investors
- Loan-to-Cost up to 100% for experienced investors
- First-time investors considered, up to 75% Loan-to-ARV
- Minimum 600 FICO score required
- Will consider seller financing or gap funding in 2nd position
- Can cross-collateralize with other investment properties
Common Loan Scenarios
- Residenital 1-4 units
- Fix and Flip (or rent)
- High leverage to 80% ARV
- 2nd liens behind our 1st
Scenarios Not Considered
- Refinance Loans
- Equity Cash Out
- Land Loans
- Multifamily over 4 units
- Condominiums
- Commercial Properites
- Owner-Occupied Homes
- Properties outside KC metro
Purchase Short-Term (no Value-Add)
Residential Fix & Flip
Property Types
- 2-4 Units Residential
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
Description
Borrower cash requirement ranges from 0% to 35%+, depending on the property, deal structure, experience, desired interest rate and fee points. We can cross-collateralize with other investment properties.
Max Loan-to-Purchase Price
100%
Borrower Must Have Property Under Contract
yes
Will Provide Proof of Funds Letter
yes
Will Consider Lending on Purchase from Auction
no
Allowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
Description
Borrower cash requirement ranges from 0% to 35%+, depending on the property, deal structure, desired interest rate and fee points. Our loan-to-ARV generally ranges from 50% to 75%, depending on the deal specifics and borrower profile. Repeat borrowers with a strong payment history may qualify for improved leverage over time. For an ideal first-time borrower, our maximum leverage is typically up to 70% of ARV.
Experience Required
no
Minimum Number of Value-Add Projects Completed by Borrower
0
Will Provide Funds for Renovation Costs
yes
Max LTC for Renovation Costs
100%
Interest Charged for Renovation Costs
Entire Amount of Total Project Costs
Typical Number of Days for Funds Draw
5
Maximum After Repair Value
75%
Title Fee
This is based on the borrower's chosen title company and paid directly to the title company, not to NOI.
Appraisal Fee
Paid directly to appraiser
Minimum Origination Fee Amount
$3,950
Fees which are mandatory for all new borrower clients
- Other Fee
Fees which are paid to a third party company
- Appraisal Fee
North Oak Investment is Kansas City’s trusted local private lender and servant-minded funding partner, investing in our clients’ success for more than 40 years. We provide fast, fair, and flexible financing for fix & flip, rental, and creative real estate projects — combining deep market expertise with personal relationships that put borrowers first. As servant lenders and trusted advisors, we take the time to understand every investor’s goals, offer honest guidance, and deliver transparent terms with no hidden fees. At North Oak, you’re more than a transaction — you’re a partner in building lasting freedom and wealth.
Office Locations
Our Team
Our minimum loan amount is $30,000