Crossroads Investment Lending Fix-and-Flip loans cover up to 100% of purchase price and 100% of renovation costs up to 70% LTARV, with a transparent $185 per-draw inspection fee and 7-day draw turnaround to keep your rehab schedule on track.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | Single-family, 2-4 units, condominiums - Kansas City metro only, including rural KC areas. No commercial, no multifamily over 4 units. |
| Loan Limits & Terms | $50,000 to $2,000,000 | 6, 9, or 12 months | Interest-only, first-lien | $1,250 processing fee at closing |
| Rates & Fees | 9.90% to 14.90% interest rate | 3.00% to 4.90% origination | Minimum $2,500 origination fee | No prepayment penalty |
| Leverage Ratios (LTC/ARV) | Up to 100% of Purchase Price | 100% of Renovation Costs | Max 70% LTARV |
| Structural Advantages | Founded by investors who have flipped 1,500+ houses. Covers rural KC metro areas. No experience required. 760+ loans funded across the KC market. |
Crossroads Investment Lending DSCR rental loans give Kansas City buy-and-hold investors a 30-year fixed exit on stabilized rental properties, with flexible sub-1.0 DSCR options and up to 80% LTV for investors executing a BRRRR-to-rent strategy.
| Rental DSCR Feature | Structure & Terms |
|---|
| Property Types | Single-family (1-4 units), condominiums - Kansas City metro only. No commercial multifamily. Minimum property value $75,000. |
| Loan Limits & Products | $100,000 to $2,000,000 | 30-Year Fixed | Single-asset only (no portfolio loans) |
| Leverage Ratios (LTV) | Up to 80% LTV for purchases | Up to 75% LTV for refinances |
| Qualification | Minimum 0.75 DSCR - sub-1.0 options available | Minimum 660 FICO | 3.00% to 4.90% origination | Interest rates 7.00% to 9.00% |
| Structural Advantages | Sub-1.0 DSCR accepted - one of the most flexible DSCR thresholds in the KC market. Ideal exit vehicle for BRRRR investors refinancing out of a hard money bridge loan. |
Crossroads Investment Lending Short-Term Bridge loans cover as-is acquisitions, cash-out refinances, and listed-property bridge scenarios in the Kansas City metro - with the same operator-minded underwriting team and 3-day close capability on qualifying deals.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | As-is acquisitions (up to 70% LTP), cash-out refinances (up to 65% LTV), listed and list-ready property bridge holds (up to 70% LTV), and equity cash-out for business-purpose reinvestment |
| Property Types | Single-family, 2-4 units, condominiums. No commercial, no multifamily over 4 units, no owner-occupied. No 2nd mortgages or gap funding. |
| Loan Limits & Terms | $100,000 to $1,000,000 | 6 months (bridge) or 6 to 12 months (cash-out) | Interest-only, first-lien | No prepayment penalty |
| Rates & Fees | 9.90% to 14.90% interest rate | 3.00% to 4.90% origination | $1,250 processing fee | Minimum $2,500 origination fee |
| Leverage Ratios (LTV) | As-is purchase: Up to 70% LTP | Bridge/listed hold: Up to 70% LTV | Cash-out refi: Up to 65% LTV | Land loans: Up to 60% LTV (separate product) |
| Structural Advantages | Closes in as little as 3 days. Direct communication with the KC-based underwriting team. Covers rural KC metro areas. No foreign nationals or gap funding considered. |
