Hard Money Lenders Kansas

Get approved in less than 5 minutes with instant term sheet + proof of funds

Fast Kansas Hard Money Loans
Ready to close in less than a week

  • Interest rates 9.25 – 11.25%
  • Credit score 650+
  • Loan-to-Cost Up to 90%
  • No income verification
  • Get approved online in 5 minutes
  • Instant proof of funds letter
  • Interest only payments
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Need financing for your upcoming real estate investment project? Get approved for a hard money loan in 5 minutes using our online application

Need funding fast? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in Kansas.

New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our fix and flip loans are ideal for real estate investors in KS.

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Loan Programs

Fix and Flip

Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Kansas. Interest rates from 9.25 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to up to 18 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 9.25 – 11.25%
  • Origination fee from 1.25 - 1.75%
  • Up to 100% construction
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Rent

Rent

30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 6.375, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.

  • Get up to $3,000,000
  • Interest rate 6.375
  • Origination fee 0 - 2%
  • 30-year fixed rate
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Ground Up

Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10.5 to 11.5%

The perfect solution for builders in Kansas that need quick access to capital to fund construction costs.

  • Get up to $5,000,000
  • Interest rate 10.5 - 11.5%
  • Origination fee from 1.5 - 2%
  • Up to 18 months
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Loan Application Process Overview

This short video will walk you through the application process, show you how to get conditionally approved online in under 5 minutes, see your preliminary term sheet and show you how our easy online platform helps you be more successful.

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Recently Funded In Kansas

Kansas Housing Market Overview

Average Home Value

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$230,884

1-Year Home Appreciation

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5.6%

Average
1 Bedroom Rent

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$1,064/month

Average 3 Bedroom Rent

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$1,602/month

Midwestern Market with Momentum: Kansas’s real estate market in 2025 offers a compelling blend of affordability and growth. With an average home value of $230,884 and a 5.6% year-over-year appreciation, the state provides a stable environment for long-term investments. The market’s momentum is evident in cities like Wichita and Overland Park, where demand continues to outpace supply.

Rental Yields in Emerging Sub-markets: The rental market in Kansas remains robust, with average rents for one-bedroom apartments at $1,064 and three-bedroom units at $1,602. These figures suggest strong demand for rental properties, offering investors opportunities for steady cash flow. Emerging sub-markets, particularly in suburban areas, present opportunities for investors to capitalize on favorable rent-to-price ratios.

 

Kansas Real Estate Investing Hot Spots

Kansas City: While Kansas may fly under the radar nationally, it offers hyper-local markets with distinct advantages for savvy investors. Kansas City, KS (not to be confused with its Missouri counterpart) is gaining ground due to spillover demand, growing development around the Village West area, and proximity to logistics hubs. Meanwhile, Overland Park and Olathe are magnets for professionals and families seeking suburban stability with urban access—key ingredients for long-term rental demand.

Wichita: For those seeking higher yield and lower entry costs, Wichita presents a unique opportunity. The city’s manufacturing base and healthcare sector provide job stability, while its relatively low home prices allow for strong cash-on-cash returns. Investors willing to dig into value-add single-family or duplex opportunities in appreciating neighborhoods stand to benefit from Kansas’s favorable tax environment and landlord-friendly laws.

 

Kansas Real Estate Investor Associations

 

Resources Used In This Post:

Zillow | Apartments.com

Reasons to Fund Your Investment Property with New Silver

It doesn’t matter if you are a buy and hold investor or a house flipping specialist. New Silver is a highly rated Kansas hard money lender with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs.

Frequently Asked Questions

Yes. New Silver is both a hard money lender and private money lender specializing in asset-based financing for real estate investors across the U.S. This makes us an excellent option for investors who need quick access to capital – with instant term sheets, competitive rates, and, most importantly, fast closings that typically happen within 5 to 7 business days.

New Silver offers a variety of loan terms to suit different real estate investing strategies in Kansas, including:

  • Short-term fix and flip loans with durations typically between up to 18 months.
  • 30 rental property loans for long-term investment stability.
  • Construction loans structured around your development timeline, typically 18 months.

These terms allow real estate investors to match financing to their strategy—whether that’s a quick resale or long-term cash flow.

New Silver provides ground-up construction loans for real estate investors and developers building Residential 1-4 units, condos, townhomes in Kansas. We fund projects up to $5,000,000, with terms tailored to construction timelines. These loans are ideal for single-family residential builds that need reliable capital from start to finish.

New Silver offers short-term bridge financing through our fix and flip loan program. These loans have terms of up to 18 months and are ideal for real estate investors who need immediate funding to purchase and improve properties before resale.

Interest rates on hard money loans are higher than traditional mortgages because of the increased risk and speed involved. These loans are used for investment properties that need renovation, quick closing timelines, or flexible qualification—situations traditional lenders usually avoid.

Hard money loans are asset-based, meaning the property’s value drives the approval and serves as collateral for the loan. Since they’re short-term and fund riskier projects, the higher interest compensates for that risk. In return, investors gain access to fast, flexible capital that can help them act on time-sensitive opportunities and scale their portfolio faster.

Origination fees for New Silver loans typically range between 1.25 - 1.75%. Monthly payments on short-term loans are interest-only, reducing cash flow strain during renovations. For an accurate estimate, we recommend using our Hard Money Loan Calculator to preview fees and monthly costs.

Credit scores are part of our evaluation process, but they’re not the primary factor. Unlike traditional lenders, New Silver focuses on the asset and overall deal strength. A lower credit score may still qualify if the investment opportunity is strong.

New Silver offers a range of loan products designed for real estate investors in Kansas, including:

Each product is tailored for specific investment strategies, whether you’re renovating, holding, or building.

New Silver specializes in residential investment properties up to 4 units. We do not currently fund commercial properties with more than 4 units. However, we have partners we can refer you to if your project exceeds our scope.

We offer a DSCR-based 30-year rental property loan.This loan qualifies largely based on the income generated by the investment property, with a minimum DSCR requirement of 0.75. It’s ideal for buy-and-hold investors who want long-term financing in Kansas.

Where We Lend

Hard Money Loans Across The US

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