Kansas City DSCR Long-Term Rental Lenders

Are you seeking long-term private financing for a residential rental property in Kansas City? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in Kansas City’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The minimum credit score is 680 for most lenders. The loan terms range from 5 to 30 years.
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HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
Minnow Loan

Your Deal. Our Money.

$25,000 - $2,000,000
6 to 18 months
8.00% - 14.00%
1.00% - 3.00%
KECO Capital, LLC

Funding for Investors By Investors

$250,000 - $100,000,000
6 to 360 months
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Griffin Funding

DSCR Long-Term Rental Loans for Residential Investment Properties

$100,000 - $5,000,000
360 to 360 months
1.00% - 3.00%
Rain City Capital

Quick, Simple, Reliable Direct Lender for Real Estate Investors

$75,000 - $5,000,000
12 to 360 months
10.00% - 12.00%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%

Missouri DSCR Loan Interest Rates

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According to the loan documents software company, Lightning Docs, the average interest rate for Missouri DSCR long-term rental loans in the 1st quarter of 2024 was 8.42%. The average loan amount was $137,152. These stats are the average of 85 loans funded for residential rental properties in Missouri between January 1, 2024 and March 31, 2024 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

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