Fix and Flip Loans (Hard Money Loans)

Fix and Flip Loans, also known as Hard Money Loans, are short-term, asset-based, interest-only loans that rely more heavily on the investment than the investor. While the investor’s credit worthiness and liquidity are considered, the After Repair Value (ARV) of the investment property is the primary factor for the loan underwriters.

Fix and Flip loans provide more money for investment projects than conventional bank loans. A bank loan only funds a portion of the unrenovated value of the property whereas a Fix and Flip loan provides a portion of the ARV (see the comparison).

Fix & Flip Loan Terms

Loan Amount
$50,000 – $2 Million
Term Length
6, 9, and 12 months
LTV
65-75%
Amortization
Interest Only
Interest Rate
Starting at 13.9%
Closing
7-10 Days
Origination Fee
As low as 3.9%
Processing Fee
$1,250
Appraisal Fee
$525
Start today by completing a Credit Application Already pre-approved? Submit a Loan Request

Or Call 913.766.2900

Additional Programs Offered:

Bridge Loans

What is a Bridge Loan? A bridge loan is a short-term financing option designed to help property investors secure quick funding for a new property purchase before selling their current one. This loan type “bridges” the gap between the immediate financial need and the long-term financing solution.

Bridge Loan Terms

Loan Amount
$100,000 – $1 Million
Term Length
6 months
Credit Score
600+
LTV
Up to 70%
Other
No prepayment fee.
No credit check fee.

Cash-Out Loans

What is a Cash-Out Loan? A cash-out loan is a financing option that allows real estate investors to tap into the equity of an existing property. By refinancing your current mortgage, you can unlock a portion of your home’s value and use the funds for other investment opportunities, renovations, or debt consolidation.

Cash-Out Loan Terms

Loan Amount
$100,000 – $1 Million
Term Length
6, 9, or 12 months
Credit Score
600+
LTV
Up to 65%
Other
No prepayment fee.
No credit check fee.

DSCR Loans

Designed for single-family rentals, small multi-family properties (2-4 units)
Qualification based on the property’s income, not personal income
Minimal documentation required

DSCR Loan Terms

Loan Amount
$100,000 – $2 Million
Term Length
30 years
Credit Score
660+
LTV
Up to 80%
Other
Options for DSCR < 1

FAQ

It’s a simple process. Submit a credit application and some personal financial information, then submit a loan request. Once you are approved, we will order an appraisal, provide the funds to purchase the property and provide rehab funding as the project progresses.

A “Hard Money Loan,” is a short-term, asset-based, interest-only loan that is determined more by the after repair value (ARV) of investment than the investor.

We loan money for one to four family residential units in the Kansas City area. Please note, properties must not be owner-occupied in order to qualify.

Yes, an appraisal is required. We will schedule the appraisal for you and appraisal fees must be paid in advance. DO NOT ORDER YOUR OWN APPRAISAL.

We require a Builders’ Risk certificate of insurance with a vacancy clause for the term of the loan, either paid in advance or at closing. Flood insurance is required for any property located in a flood zone.

Submit draw requests for completed work by Friday at noon and we will inspect and fund completed work by the following Friday.

Start your investment project today.

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