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Hard Money Lenders Kansas City

Kansas City Hard Money Loans for Fix and Flips, DSCR Rentals, and Ground Up Construction

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Kansac City, MO

Fix & Flip Loan

Sample Deal

Loan Amount $298,700

85% of Purchase + 100% of Rehab

Rate: 10.75%
12 Months

Points: 2.0%
9 Days to Close

Featured In

Why Ridge Street is The Best Hard Money Lender In Kansas City

We pride ourselves on being one of the best investment property lenders in Kansas City for Fix and Flips, Ground-Up Construction, Rentals, and Multifamily investments.

Competitive Terms

We provide competitive Terms on Kansas City investment property loans. Kansas City Fix and Flip Loan rates range from 10.5%-11.5% and Origination Fee from 1.5%. DSCR Loan Rates range from 6.0% to 7.99% and Origination Fee from 0%.
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See our Loan Products Section for a detailed pricing breakdown of each Kansas City loan product.

Simple Online Application

Real Estate investors can apply online, get pre-approved, or schedule a call in 2 minutes. Working with Ridge Street is simple and fast.

Start your simple online application today. Learn More

Quick Turn Around

Our team is always available to take your call. If you submit a Quick Application or a Pre-Approval Application we’ll get back to you within 1 business hour.

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Reliable Financing

Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.

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Kansas City Hard Money Loan Products

We provide fast and fairly priced Fix & Flip, DSCR and Construction Loans to local investors in the Kansas City area.

Kansas City Fix and Flip Loan

Funding For Rehab + Purchase

$50,000 up to $3,000,000

Interest Rate 10.5%-11.5%

Origination Fee From 1.5%

Up to 90% of Purchase and 100% of Rehab

Fix and Flip Loans For Beginners Allowed

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Get Approved Online

Kansas City DSCR Rental Loan

30 Year DSCR Loans For Rental Properties

Up to $2,000,000

Interest Rate 6.0%-7.99%

Origination Fee From 0%

Up to 80% of LTV

Airbnb Loans and Long-term Rentals

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Kansas City Ground Up Construction

For New Builds and Construction Completion

Up to $3,000,000

Interest Rate 10.99%-12.25%

Origination Fee From 1.5%

Up to 75% of Purchase and 100% of Construction

Up to 90% LTC

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You’re Local In Kansas City, You Want A Lender Who Knows The Kansas City Market

Understanding the Kansas City market

Kansas City offers real estate investors an accessible entry-price market with median home prices around $340,000 as of early 2026, supported by a growing economy in healthcare, logistics, and technology. The Crossroads Arts District, Westport, and the West Bottoms are active corridors for fix-and-flip investors, with buyers gravitating toward renovated homes in neighborhoods undergoing sustained reinvestment. New construction demand is concentrated in Jackson County suburbs including Lee's Summit and Blue Springs, where family buyers are actively purchasing. Kansas City's 2026 FIFA World Cup preparations have also accelerated infrastructure investment across the metro.

As a trusted lender, Ridge Street Capital is dedicated to providing flexible financing solutions to help real estate investors succeed in Missouri's dynamic market.

Experience Boost Program for local real estate investors

If you have local fix and flip or ground-up construction experience in Jackson County within the last 3 years, we’ll increase your leverage on our hard money loans for fix and flips.

Kansas City Experience Boost Program Summary

The purpose of the local experience boost program is to give investors with local experience and good credit a 5% increase in leverage:

If you have 1 Experience In Jackson County with a successful exit, we may increase your leverage to 85% of the purchase + 100% of the rehab.
If you have 3 Experiences with 1 in Jackson County, we may increase your leverage to 90% of purchase + 100% of Rehab.
Any investors with 5+ experiences in the last 3 Years and 680+ credit, automatically qualify for 90% of Purchase + 100% of rehab.

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Kansas City Hard Money Loan process

Our lending process for Kansas City investment properties is simple and quick. Ridge Street closes loans in as little as 7 business days.

Apply Or Get Pre-Approved Online

~ 2mins

Fill out a 2 Min Quick App with info about your Kansas City based project. We need some preliminary information so that we can accurately evaluate your deal.

If you’re looking to be pre-approved so that you can find your next deal or you’d like to get more info from on of our team members, select an option below.

Request A Term Sheet | Get Pre-Approved | Schedule A Call

Receive Your Term Sheet

~ 2mins

Once we have your completed application, we’ll email you the term sheet and give you a call to provide confirmation.

Hard Money Loan Process Step 3 Container

Submit Docs

~ 1-3 days

Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin underwriting the loan. We have a low document program with no income statement documentation.

Appraisal or BPO

~ 2-7 days

Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days.

Hard Money Loan Process Step 5 Container

Closing

~ 1-2 days

Once we have the completed document package, we'll schedule your closing within 1-2 business days.

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Featured Kansas City Hard Money Loan

Location

Loan Type

Loan Amount

LTV %

Rate

Points

Kansas City Deal Summary

Ridge Street Capital financed a fix and flip in Kansas City's Westport neighborhood for an investor targeting a midcentury single-family with strong resale demand in a walkable corridor. The loan covered 85% of the purchase price and 100% of the renovation costs, structured at 10.75% interest-only for 12 months with 2.0% origination points. The borrower completed a kitchen and bathroom renovation, updated the mechanical systems, and improved the exterior. The property sold above the projected ARV within 30 days of listing, reflecting the tight inventory and buyer competition that define the Kansas City urban core.

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Kansas City Hard Money Loans FAQs

How do I qualify for a hard money loan in Kansas City?

To qualify for a hard money loan in Kansas City with Ridge Street you need:

A Credit Score of 660+
A profitable deal with at least a 10% ROI
An LLC or a Corporation

What types of properties can I finance with a hard money loan in Kansas City?

Ridge Street finances the following property types:

Residential 1-4 Units
Multifamily 2-4 Units

What are the interest rates and terms for hard money loans in Kansas City?

Depending on the sponsors experience and credit profile, rates range from 10.5%-11.5%. Ridge Street’s median rate for a hard money loan on a fix and flip in Kansas City is 10.75% interest only with no pre-payment penalty.

How fast can I get a hard money loan in Kansas City?

Ridge Street closes hard money loans in as little as 7 business days.

Are there any state-specific regulations for getting a hard money loan in Kansas City?

Because Kansas City spans two states, the specific regulations depend entirely on whether the property is on the Missouri or Kansas side of the metro area.

On the Kansas side, hard money loans are governed by Kansas Statute § 16-207, which enforces a strict 15% interest rate cap on personal real estate contracts but completely exempts business, commercial, and agricultural loans from usury limits.

On the Missouri side, Missouri Revised Statute § 408.035 similarly exempts business-purpose and non-residential real estate loans from the state's 10% usury cap, provided they are structured to a corporate entity (like an LLC) or are for explicit commercial purposes.

Additionally, under the Missouri Commercial Financing Disclosure Law enforced by the Missouri Division of Finance, hard money lenders and brokers making business-purpose loans under $500,000 must adhere to specific commercial disclosure and registration rules.

Can I use a hard money loan to finance a fix and flip in Kansas City?

Absolutely. This is the main use of a hard money loan in Kansas City.

What is the loan-to-value (LTV) ratio for a hard money loan in Kansas City?

There are a number of ratios that Ridge Street uses to determine the Loan Amount. Put simply, for a first time investor we finance up to 80% of the Purchase + 100% of the Rehab. For an experienced investor, we finance up to 90% of the Purchase + 100% of the Rehab.

Can I use a hard money loan to finance a rental property in Kansas City?

You can use a hard money loan to purchase and renovate a rental property. You can then refinance with a DSCR Loan (This is called the BRRRR Strategy). If the property is rent ready at purchase, there is no need for a hard money loan and you can go straight into DSCR financing.

Interested In Working With Us?

We work with real estate investors across the country every day. How can we help?

Active Deal

I have an active deal and would like a Term Sheet.

Term Sheet

Pre-Approval

I’d like to to get pre-approved so I can find my next deal.

Pre-Approval

Schedule A Call

I’d like to schedule a call.

Schedule Call

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April 24, 2026

How to Refinance a Hard Money Loan and Avoid Costly Mistakes

Learn how to refinance a hard money loan — which loan replaces it, how to time the transition, and when selling is the better decision than holding.

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The Best Fix and Flip Lenders of 2026: A Complete Review For Investors

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