Partners
Lenders
KC Investor Funding

KC Investor Funding

Kansas City
Apply Now

KC Investor Funding

(816) 293-2999
Website

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

KC Investor Funding is a Kansas City, Missouri-based private hard money lender specializing in bridge and rehab loans, fix-and-flip financing, and 30-year DSCR rental loans for real estate investors nationwide. The firm offers two core bridge programs: the KC 100 local program covering 100% of purchase and 100% of rehab costs (up to 70% ARV) for Kansas City metro investors, and a Nationwide Bridge/Rehab program covering 90% of purchase and 100% of rehab across 44 states. Both programs feature interest-only payments with no prepayment penalties. The KC 100 closes in 7-10 days with a 620 FICO minimum; the nationwide program closes in 10-15 days with a 660 FICO minimum. For long-term rentals, KC Investor Funding's Nationwide 30-Year Rental Program offers up to 80% LTV on SFR to 4-unit properties with full 30-year amortization, designed specifically for BRRRR investors refinancing out of hard money into long-term holds. Beyond its own core programs, KC Investor Funding also partners with other private and hard money lenders to source the most competitive rates and terms for each borrower's specific situation. Multi-family bridge and rehab financing is also available. Rex and the team are known for fast, reliable closings and hands-on client support throughout the investment lifecycle.

Key Differentiators

Why investors choose this lender:

  • KC 100 local program - 100% purchase AND 100% rehab with no application fee - the KC 100 program covers the full purchase price plus full rehab budget up to 70% ARV for Kansas City metro investors; if there is no rehab, it covers 100% of purchase up to 80% as-is value; no application fee to get started
  • Nationwide reach with a local Kansas City relationship model - the nationwide bridge program covers 44 states at 9-14% with 90% of purchase and 100% of rehab; Rex and the team are known for fast, personal service that larger national platforms cannot replicate
  • Partner network gives borrowers access to lowest rates beyond core programs - KC Investor Funding actively partners with other private and hard money lenders to shop deals and find the most competitive rates and terms when a borrower's situation falls outside the in-house programs; functions as a full-service funding resource
  • Full BRRRR cycle under one relationship - bridge to 30-year DSCR - fund the acquisition and rehab with the bridge program, stabilize the rental, then refinance into the 30-year DSCR product after 90 days of seasoning; one trusted contact for the entire investment cycle
  • Tiered FICO requirements create broader access - 620 FICO for the KC local program, 660 for nationwide bridge, 680 for DSCR; investors who do not qualify for major national platforms may qualify here, particularly for Kansas City metro deals
  • Multi-family bridge and rehab available - in addition to SFR programs, KC Investor Funding offers a dedicated Nationwide Multi-Family Bridge/Rehab program for investors targeting apartment and multi-unit assets

Where They Lend

Nationwide
44 States (excl. AZ, ID, MN, NV, ND, SD, WI)
Nationwide bridge and rehab available in 44 states (all except AZ, ID, MN, NV, ND, SD, WI). KC 100 program available in Kansas City metro. 30-year DSCR available in 43 states (all except AZ, CA, ID, MN, NV, ND, SD). SFR, 2-4 unit residential, and multi-family. No owner-occupied properties.

Loan Types, Structures and Terms

6 to 12 Months
Typical Terms
9% to 15%
Typical Interest Rates
KC 100 local: 100% purchase + 100% rehab up to 70% ARV (or 100% purchase up to 80% as-is if no rehab). Nationwide bridge: 90% purchase + 100% rehab up to 70% ARV. DSCR: up to 80% LTV, SFR to 4-unit.
Fix-and-Flip
Rental (DSCR)
Short-Term Bridge
KC Investor Funding offers two fix-and-flip programs: the KC 100 local program (100% purchase + 100% rehab up to 70% ARV, 11-15%, 620 FICO, 7-10 day close) and the Nationwide program (90% purchase + 100% rehab, 9-14%, 660 FICO, 10-15 day close).
Fix & Flip FeatureStructure & Terms
KC 100 Local Program100% of purchase + 100% of rehab up to 70% ARV | If no rehab: 100% of purchase up to 80% as-is value | 620 min FICO | No application fee
Nationwide Program90% of purchase + 100% of rehab up to 70% ARV | Available in 44 states (excl. AZ, ID, MN, NV, ND, SD, WI) | 660 min FICO
Interest RateKC 100: 11-15% | Nationwide: 9-14% | Interest-only monthly payments
Loan TermKC 100: 6-12 months | Nationwide: 12 months | No prepayment penalty on either program
Speed to CloseKC 100: 7-10 days | Nationwide: 10-15 days | Repeat borrowers report 3-5 day closings
Multi-Family OptionNationwide Multi-Family Bridge/Rehab program also available for apartment and multi-unit investment properties
KC Investor Funding's Nationwide 30-Year Rental Program offers up to 80% LTV on SFR to 4-unit properties with full 30-year amortization. 680 FICO minimum, 6 months PITI reserves, 90-day seasoning for refi. Available in 43 states. Ideal for BRRRR investors.
Rental DSCR FeatureStructure & Terms
Loan Term30-Year Term / 30-Year Amortization
Max LTVUp to 80% LTV | SFR to 4-unit residential
Minimum FICO680 credit score minimum
Reserves RequiredSufficient liquid assets plus 6 months of PITI reserves
SeasoningTypically 90 days of ownership required to base refi loan on property value
Close Time30-40 days
Geographic CoverageAll states except AZ, CA, ID, MN, NV, ND, SD
BRRRR StrategyKC Investor Funding explicitly positions this as their BRRRR refinance exit product - fund the rehab with a bridge loan, stabilize the rental, then refinance into the 30-year program after 90-day seasoning.
KC Investor Funding bridge loans cover acquisitions and transitional holds across 44 states. 9-14% interest only, 12-month terms, no prepay penalty. 90% of purchase plus 100% of rehab. KC 100 local program available for Kansas City metro investors at 100% purchase + 100% rehab.
Bridge Loan FeatureStructure & Terms
Use CasesAcquisitions, fix-and-flip, fix-and-hold, BRRRR transitional holds, bridge between purchase and permanent financing. Multi-family bridge/rehab also available.
KC 100 Local (KC Metro)100% purchase + 100% rehab up to 70% ARV | 11-15% rate | 6-12 month term | 620 FICO | No application fee
Nationwide Program90% purchase + 100% rehab up to 70% ARV | 9-14% rate | 12 month term | 660 FICO | 3 months interest reserves
Prepay PenaltyNo prepayment penalty on either bridge program
Partner NetworkKC Investor Funding also partners with additional private and hard money lenders to source the most competitive rates and terms for deals that fall outside their core programs
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
Apply Now

Borrower Qualifications (Are you qualified?)

KC Investor Funding qualifies borrowers at 620 FICO (KC local program), 660 FICO (nationwide bridge), or 680 FICO (DSCR). No derogatory marks in last 2 years required. Nationwide bridge requires 3 months interest reserves; DSCR requires 6 months PITI. No application fee on the KC 100 local program.
Qualification ParameterLender Requirements
Minimum Credit Score620 FICO minimum on the KC 100 local program. 660 FICO minimum on the Nationwide Bridge/Rehab program. 680 FICO minimum on the 30-Year DSCR rental program.
Credit HistoryNo derogatory marks in the last 2 years required across all bridge and rehab loan programs.
Liquid Assets (Bridge)Nationwide program requires sufficient liquid assets to cover down payment, fees, closing costs, and 3 months of interest reserves.
Liquid Assets (DSCR)30-Year Rental program requires sufficient liquid assets plus 6 months of PITI reserves.
Application FeeNo application fee on the KC 100 local program.
AppraisalKC 100 program: appraisal at KC Investor Funding's discretion. Nationwide Bridge program: appraisal required. DSCR: standard valuation applies.

Underwriting Process (How long will it take to get approved?)

KC Investor Funding underwrites bridge loans in-house with minimal documentation required. The KC 100 local program closes in 7-10 days. The nationwide program closes in 10-15 days. Appraisal is at KCIF discretion on the local program; required on the nationwide program. No derogatory marks in last 2 years required.
Stage / RequirementProcess & Timelines
DocumentationMinimal docs required for approval on both KC 100 and Nationwide bridge programs. No application fee on the KC 100 local program.
AppraisalKC 100: appraisal at KC Investor Funding's discretion. Nationwide bridge: appraisal required. ARV is determined based on scope of work provided.
Speed to CloseKC 100 local: 7-10 business days. Nationwide bridge: 10-15 business days. Repeat borrowers report closings in as few as 3-5 days.
Credit RequirementsKC 100: 620 FICO | Nationwide bridge: 660 FICO | DSCR: 680 FICO | No derogatory marks in last 2 years across all programs
Partner NetworkFor deals outside core in-house programs, KC Investor Funding shops its network of private and hard money lending partners to find the lowest available rates and terms for your specific situation.

Draw Process (How long will it take to get draws?)

KC Investor Funding holds rehab funds in escrow and releases draws as construction work is completed. The KC 100 local program closes in 7-10 days. The nationwide bridge program closes in 10-15 days. Rex and the team provide hands-on support throughout the draw and rehab process.
Operational StepMethodology & Timelines
KC 100 Local ProgramCovers 100% of purchase price + 100% of rehab costs up to 70% ARV. If no rehab, covers 100% of purchase up to 80% as-is value. Rehab funds held in escrow and released as work progresses.
Nationwide ProgramCovers 90% of purchase + 100% of rehab costs up to 70% ARV. Draws released as construction milestones are verified.
Close SpeedKC local program: 7-10 business days. Nationwide program: 10-15 business days. Testimonials confirm fix-and-flip loans closing in 3-5 days on repeat borrowers.
Partner NetworkKC Investor Funding also partners with other private and hard money lenders to source the most competitive rates and terms for each borrower's specific deal - beyond its own core programs.
FlipperForce IntegrationCoordinate rehab draw milestones and contractor payment schedules using the FlipperForce Project Scheduler to keep construction phases aligned with KC Investor Funding's draw release timeline.