Kansas City Rehab Lenders for Residential Rental Property
Are you looking to rehab and hold residential rental properties in the Kansas City metro area? On this page you'll find a list of lenders that provide financing to help investors execute the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy in Kansas City's urban areas. You typically need some cash for the purchase (15% to 20%), some cash reserves in case the rehab goes over budget, and a FICO score over 680 to qualify for the long-term refinance. The maximum loan-to-ARV (after-repair value) for most lenders is 70%, but it could be lower depending on the rental income, location, credit score and other factors.Searching...
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Lima One Capital
The Nation's Premier Lender for Real Estate Investors
KECO Capital, LLC
Funding for Investors By Investors
Minnow Loan
Your Deal. Our Money.
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Certain Lending
The Mortgage Company Built for Real Estate Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Arch Loans
Low and High Leverage Options, up to 90% of purchase price for fix & flip
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Crossroads Investment Lending
Direct Lender for Kansas City metro area real estate investors
Rain City Capital
Quick, Simple, Reliable Direct Lender for Real Estate Investors
Center Street Lending
Smarter Loans for Residential Investors
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
2 Local Property Rehab Lenders in Missouri
Below are the house rehab lenders on our platform that are “local” lenders in Missouri.
- Minnow Loan
Based in Columbia, Minnow Loan is an asset-based direct lender offering rehab loans throughout Missouri – St. Louis, Jefferson City, Columbia, Kansas City, Springfield, etc. They are not too concerned about credit scores and don’t require a formal appraisal for most deals. - Crossroads Investment Lending
Crossroads is technically based in Kansas, but right on the Missouri border. They only lend in the Kansas City metro area and offer 100% financing for residential rehab projects in 9 Missouri counties: Jackson, Clay, Platte, Cass, Lafayette, Buchanan, Clinton, DeKalb, Johnson. They do not require experience, but they do require borrowers to have a 660+ credit score if the plan is to refinance into a long-term rental loan after the rehab is completed.
Local Missouri Rehab Lenders
At this time, we have one rehab lender on our platform that is based in Missouri…
Minnow Loan
Based in Columbia, MO – Minnow Loan is an asset-based direct lender focused on lending throughout Missouri – St. Louis, Jefferson City, Columbia, Kansas City, Springfield, etc. For rehab-to-rent projects, they can fund up to 90% of the purchase price and 100% of the rehab costs, so long as the loan-to-after-repair value is under 70%. They don’t require a formal appraisal for most deals. They don’t care much about credit scores for rehab loans, but if you plan to hold the property as a rental, they’ll want to make sure that you can qualify for a long-term refinance, and those loans require a 660+ FICO score.
Select a Metro Area
Kansas City and St. Louis are the two main metropolitan areas in Missouri. The list of lenders for these two metros are the same as the entire state. We haven’t found that any lenders will consider one versus the other.
