What is a fix and flip loan?

It's a short-term loan designed for real estate investors to fund both the purchase and renovation of a property intended for resale.

How fast can I get funding for my flip?

Groundfloor fix and flip loans typically close in around 14 business days. Timelines may vary based on how quickly documents are submitted and inspections are completed.

What are typical loan terms and interest rates?

Fix and flip loans range from 6 to 18 months, with rates starting around 9 percent. Final terms depend on the project scope and the borrower’s experience level.

Can I qualify if I’m new to flipping houses?

Yes. Groundfloor funds both first-time flippers and experienced investors. Your project details and after-repair value are more important than past experience.

Are draws paid before or after work is completed?

Draws are paid after each phase of work is completed and verified. A third-party inspector confirms progress before funds are released.

Hard Money Loans in Kansas City, MO | Real Estate Investing

Real Estate Investment Loans in Kansas City, MO

Hard Money Loans In Kansas City, MO

Kansas City investors know timing is everything in a competitive Midwest housing market. Whether you are rehabbing a bungalow in Brookside or building new inventory near the River Market, Groundfloor Lending offers fast, flexible financing designed for local projects.

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Supporting Kansas City Real Estate Investors from Midtown to Overland Park

We proudly back investors across the entire KC metro. From the historic Westside and Waldo to Johnson County hotspots like Overland Park and Olathe, our lending solutions help you move quickly in any neighborhood.

Why Choose Groundfloor Lending
for Your Kansas City Real Estate Investment Loans

When you need private money loans in Kansas City’s fast-moving market, experience matters. Our team understands Missouri and Kansas property laws, seasonal weather impacts, and the local permitting environment. We have helped hundreds of investors secure financing on both sides of the state line.

Our Hard Money Loan Products for Kansas City Investors

Fix & Flip Loans

Transform classic Kansas City homes—from shirt-waist houses in Hyde Park to brick duplexes in Independence. We provide the capital to purchase and renovate quickly.

Rental property Loans

Build your KC rental portfolio with DSCR loans designed for cash-flowing investments—perfect for duplexes, four-plexes, and single-family rentals across the metro.

New construction Loans

Capitalize on Kansas City’s steady population growth with ground-up construction financing. From infill projects in North KC to small multi-unit builds in Prairie Village, we have you covered.

Thinking about your next move in Kansas City?

Explore local trends, neighborhood insights, and savvy investor strategies tailored to the fast-moving market of Kansas City.

Read Kansas City Insights

The Kansas City
Market Advantage

Kansas City offers affordable entry prices, strong job growth in tech and logistics, and consistent in-migration. Stable rents, ongoing downtown revitalization, and major infrastructure upgrades make this an ideal time to invest.

Our local expertise means we know which suburbs are trending, how property values shift between Missouri and Kansas counties, and what regulatory factors may affect your projects. This knowledge helps us deliver faster approvals and better loan terms for Kansas City investors.

Getting Started with Your Hard Money Loan in Kansas City

What we need to get started

Our process

Initial consultation: discuss your project and financing needs
Property evaluation: quick assessment of the investment property
Loan Structuring: customize terms to fit your strategy
Documentation: minimal paperwork, maximum efficiency
Funding: close quickly and start your project

Frequently Asked Questions About Hard Money Loans in Kansas City

What types of properties do you finance in Kansas City?

We finance single-family homes, multi-family properties, condos, and small commercial buildings throughout the KC metro on both the Missouri and Kansas sides.

How quickly can I close on a hard money loan in Kansas City?

Most Kansas City real estate investment loans close in about two weeks; straightforward deals with experienced borrowers can close even faster.

Do you require a down payment for fix and flip loans?

Typically 15 %–25 % down, depending on experience and the property. We can finance up to 85 % of the purchase price plus 100 % of verified renovation costs.

What areas of Kansas City do you serve?

We serve Kansas City, North Kansas City, Independence, Lee’s Summit, Overland Park, Olathe, Shawnee, and surrounding suburbs.

Can I use a hard money loan for a rental property purchase?

Yes. Our DSCR loans are built for investors purchasing or refinancing rental properties that cash-flow.

Ready to Fund Your Next
Kansas City Real Estate Investment?

Do not let financing delays cost you your next deal. Contact Groundfloor Lending today to get pre-approved for your Kansas City hard money loan and secure fast, flexible real estate investment financing.

Kansas City, Overland Park, Olathe, Lee’s Summit, North KC, Independence, and the wider metropolitan area.

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Fix and Flip Loans | Private Money Financing for Property Investors & Rehab Projects