Licensed & LendingHard Money & DSCR Loans in Illinois
Capital Kings funds Illinois real estate investors with hard money, DSCR rental loans, and bridge financing. Chicago metro flips, Class A/B/C multifamily acquisitions, and statewide rental portfolios are all active deal types for our IL lender pool.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Illinois Deals
Chicago is one of the most underwriting-sensitive markets. Neighborhood matters enormously, and lenders who don't know the city often misprice or pull at the last minute. We work with lenders who actually know Chicago neighborhoods, can value 2-4 unit deals on the South and West sides correctly, and understand the difference between Englewood and Logan Square.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Illinois fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Illinois buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Illinois growth corridors specifically.
Active Markets
Cities We Fund Across Illinois
Active lending across Illinois's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Illinois Investors
Chicago flip financing with neighborhood-aware lenders
Available statewide for Illinois investors.
DSCR loans for 2-4 unit Chicago rentals
Available statewide for Illinois investors.
Bridge financing for value-add multifamily statewide
Available statewide for Illinois investors.
Common Questions
Illinois Lending FAQ
Do you lend hard money loans in Illinois?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Illinois through our 270+ lender network. We close Illinois deals in as little as 7 days.
What cities in Illinois does Capital Kings lend in?
We fund investor loans statewide in Illinois, with active deal flow in Chicago, Aurora, Naperville, Joliet, Rockford and the surrounding metros.
Do you offer DSCR rental loans in Illinois?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Illinois on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Illinois hard money loan close?
Most Illinois fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Illinois fix-and-flip loan?
As little as 0% down on the right deal. Most Illinois hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Illinois can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Illinois Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Illinois deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Illinois deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Illinois are originated by partner lenders licensed to lend in Illinois. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.