Capital Kings brokers 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.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Illinois
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
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
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Illinois flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Illinois buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Illinois growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Illinois
Active lending across Illinois's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Illinois before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Illinois Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Chicago flip financing with neighborhood-aware lenders
DSCR loans for 2-4 unit Chicago rentals
Bridge financing for value-add multifamily statewide
Common Questions
Illinois Lending FAQ
Do you lend hard money loans in Illinois?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Illinois through our 350+ lender network. We close Illinois deals in as little as 7 days.
What cities in Illinois does Capital Kings lend in?
We broker 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 broker 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 an 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 an Illinois fix-and-flip loan?
It depends on the deal. Most Illinois hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Illinois Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Illinois deal we close.
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.
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.
Broker, Not a Lender