Licensed & LendingHard Money & DSCR Loans in Kansas
Capital Kings funds Kansas real estate investors with hard money, DSCR rental loans, and bridge financing. The Kansas City metro (Johnson County side) and Wichita are the most active investor markets we serve in KS.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Kansas Deals
Kansas City spans two states, and our lender network includes shops that handle both sides. Important when a deal in Overland Park needs different documentation than one in Independence. For Wichita, the lower price points keep BRRRR strategies attractive and our DSCR lenders price accordingly.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Kansas 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 Kansas 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. Kansas growth corridors specifically.
Active Markets
Cities We Fund Across Kansas
Active lending across Kansas'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 Kansas Investors
Johnson County flip financing
Available statewide for Kansas investors.
Wichita DSCR rentals
Available statewide for Kansas investors.
Bridge financing for value-add multifamily
Available statewide for Kansas investors.
Common Questions
Kansas Lending FAQ
Do you lend hard money loans in Kansas?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Kansas through our 270+ lender network. We close Kansas deals in as little as 7 days.
What cities in Kansas does Capital Kings lend in?
We fund investor loans statewide in Kansas, with active deal flow in Wichita, Overland Park, Kansas City, Topeka, Olathe and the surrounding metros.
Do you offer DSCR rental loans in Kansas?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Kansas on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Kansas hard money loan close?
Most Kansas 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 Kansas fix-and-flip loan?
As little as 0% down on the right deal. Most Kansas hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Kansas 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
Kansas Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Kansas 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 Kansas 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 Kansas are originated by partner lenders licensed to lend in Kansas. 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.