MO · Kansas City
Bridge, Flip & Construction
Loans in Kansas City, MO
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in Kansas City, $1M to $5M, term sheet in 24 to 48 hours. For US investors and foreign nationals on the same terms.
Passy Capital finances real estate investors who buy, renovate and build residential investment property in Kansas City, Missouri and its Missouri suburbs: bridge loans, fix & flip loans and ground-up construction loans for spec homes and build-to-rent, plus renovation and DSCR financing for the hold. Loans run from $1M to $5M, with a term sheet in 24-48 hours and closing in about two weeks on a clean file.
The Kansas City metro straddles the Missouri and Kansas state line, and each side follows its own state's laws. This page covers the Missouri side, where Kansas City spans parts of Jackson, Clay, Platte and Cass counties. Missouri foreclosure is non-judicial and the state has no real estate transfer tax. Investors renovate houses in Brookside, Waldo and the Midtown neighborhoods, and build spec homes and rental communities in the Northland and the eastern suburbs. We size flips on cost and after-repair value, builds on cost, and rentals on value and rent.
Investors based outside the US borrow on the same terms as local operators. The loan is made to your US LLC and underwritten on the property, with no US credit history and no Social Security number required. Business-purpose lending only, on non-owner-occupied property.
Kansas City Market Highlights
Flip Volume
Among the five large US metros with the highest flipping rate in ATTOM's Q1 2026 report (11.5% of sales).
Missouri Side
Kansas City, Missouri spans parts of Jackson, Clay, Platte and Cass counties. The Kansas side follows Kansas law.
No Transfer Tax
Missouri levies none, and its constitution bars new taxes on the sale or transfer of real estate.
Non-Judicial Foreclosure
Deed of trust with power of sale and at least 20 days' notice of the trustee sale (RSMo 443.310).
Rental Permits
Every rental property in Kansas City, Missouri needs an annual Healthy Homes rental permit.
Same Terms From Abroad
Non-US investors borrow through a US LLC with no US credit history and no foreign-national premium.
Key Submarkets
Brookside
Waldo
Midtown
Westport
Hyde Park
Volker
Northland
North Kansas City
Lee's Summit
Independence
Liberty
Blue Springs
Property Types We Finance
Single-Family
2-4 Units
Condos & Townhomes
Small Multifamily (5-9)
Spec Homes
Build-to-Rent
SFR Portfolios
Renovation Projects
Loan Programs
Bridge Loans
Buy, refinance or cash out an investment property, closing in about two weeks.
Construction
Ground-up spec homes and build-to-rent, with draws tied to milestones.
Renovation / Rehab
Rehab financing on 1-4 unit and small multifamily, drawn against completed work.
Fix & Flip
Purchase and rehab in one loan for 1-4 unit flips, closing in about two weeks.
DSCR / Rental
Long-term rental financing based on property cash flow.
How we finance Kansas City deals
- Flips in an active resale market. Purchase and renovation in one loan, up to 90% of cost, for single-family houses, two- to four-family buildings and small apartment buildings. Kansas City was among the five US metros with more than 1 million people with the highest flipping rate in ATTOM's Q1 2026 report, at 11.5% of sales. We size each flip on the purchase price, the full scope of work and an after-repair value supported by recent comparable sales.
- Spec homes and build-to-rent on the edges. Ground-up construction up to 85% of cost for spec homes and build-to-rent, including the Northland and suburbs such as Lee's Summit and Liberty. Draws are released as work is completed and inspected.
- Rental permit before the DSCR refinance. Kansas City, Missouri requires every rental property to be registered with an annual permit under its Healthy Homes Rental Inspection Program. Once the permit is in place and the units are leased, a DSCR loan up to 80% of value retires the bridge or construction loan.
See all Missouri markets on our Missouri page, or what we fund.
Investing in Kansas City from outside the US
If you are buying in Kansas City from outside the United States, financing is usually where the process stalls: no Social Security number, no US credit history, and no retail bank willing to underwrite a foreigner. We lend to your US LLC instead, underwrite the property rather than a US profile you have no way to build, and charge no foreign-national premium for it.
Frequently asked questions
What do you finance in Kansas City?
Bridge loans, fix & flip loans and ground-up construction loans for spec homes and build-to-rent, plus renovation and DSCR loans, on the Missouri side of the metro. Loans run from $1M to $5M on single-family, 2-4 units, condos and townhomes, small multifamily up to 9 units, build-to-rent and SFR portfolios.
How much of a Kansas City construction project can you finance?
Up to 85% of cost on ground-up construction, with draws released as work is completed and inspected. Fix & flip and renovation go up to 90% of cost, and bridge and DSCR loans up to 80% of value.
Can a foreign national borrow for a Kansas City property?
Yes. The loan is made to your US LLC and underwritten on the property rather than on a US credit history, so a non-resident borrows on the same terms as a US investor, with no Social Security number required.
What does a Kansas City loan cost?
The fee is 1-2% of the loan, paid at closing, with no upfront fees. The term sheet within 24-48 hours sets out the rate and terms for your specific deal.
Learn More
How a Construction Loan Draw Schedule Works
How draws are requested, inspected and released during a spec or build-to-rent project.
Can I Refinance a Bridge Loan Into a DSCR Loan?
How a finished renovation or build moves from short-term financing to a long-term rental loan.
How to Set Up a US LLC as a Foreign Investor
The entity that holds the property and borrows, and how a non-resident forms one.
Other Cities in Missouri
We also finance investors across other Missouri markets.
Have a deal in Kansas City?
Submit your deal in 2 minutes. We'll review it and get back to you within 24 hours with financing options.
Submit a Deal