Long-term rental
DSCR Loan
Also called a no-income mortgage — qualify on the property’s rental cash flow, not your personal finances.
6.875%Rates as low as
- Max LTV80%
- Term30-yr fixed
- PrepaymentNone after yr 3
- Income docsNot required
Private lending · Kansas City
Funding that moves your next deal forward.
DSCR, fix & flip, and new construction loans for real estate investors — underwritten on the deal, not your tax returns.
Need to sell a house fast instead? Get a cash offer
Funding in 7 days
Soft credit pull only
No income docs
100% rehab in KC
Rate card
Lending now
DSCR Rental
From6.875%
Max LTV80% of value
Term30-yr fixed
Fix & Flip
From7.75%
PurchaseUp to 90%
Rehab (KC)Up to 100%
New Construction
From9.45%
Max LTC85% of cost
Loan size$150K – $3M
Starting rates. Final pricing depends on the deal, experience, and credit.
300+
Loans approved
95%
Approval rate
7 days
Fastest funding
20+ yrs
Investing experience
What we lend on
Three loan products, built for investors.
No income verification, no tax returns, and only a soft credit pull — qualifying comes down to the property and the plan.
Short-term / hard money
Fix & Flip Loan
Speed and flexibility to acquire and rehab — including 100% of rehab cost in the Kansas City market.
7.75%Rates as low as
- PurchaseUp to 90%
- Rehab in KCUp to 100%
- TermUp to 24 mo
- Credit pullSoft only
Ground-up build
New Construction
Finance single-family or multi-unit builds with no prepayment penalties and extension options.
9.45%Rates as low as
- Max LTC85%
- Loan size$150K – $3M
- Term24 mo + ext.
- Extensions3 or 6 mo
Client reviews
Five stars, in their own words.
Straight from Google — borrowers we funded and homeowners we bought from.
Google Reviews
★★★★★
Every review here is a 5-star review, posted publicly on our Google Business profile.
See more reviews ↗★★★★★
GGoogle review
Ashley and Aspen were both amazing to work with. They helped us to cash flow more monthly on our properties and we got our two refis done extremely quickly and efficiently.
Delane Paulk
★★★★★
GGoogle review
Fantastic experience working with KC Home Offers. Really easy, great communication, 6 stars if I could!!
James Heller
★★★★★
GGoogle review
Ashley and team are great, professional, and fun to work with. Highly recommend if you’re looking to do business in real estate, get out of a tight spot in your current home and need to sell, etc.
Heather Musick
★★★★★
GGoogle review
Ashley is a class act. Extremely knowledgeable, fair and true to his word. 1000% recommend working together with him. He’s a man of his word.
Philip Louden
★★★★★
GGoogle review
Ashley is extremely knowledgeable about how to help people in various situations with their houses.
Jacob Trogan
Deal calculator
See what your deal looks like before you apply.
Enter your numbers for an instant estimate on our published starting terms. Nothing is submitted and no credit is pulled.
$
$
$
$
$
Estimates use our published starting terms: Fix & Flip at 7.75% interest-only, up to 90% of purchase and 100% of KC rehab; DSCR at 6.875% on a 30-year fixed at 80% LTV; New Construction at 9.45% interest-only up to 85% of total cost.
Fix & flip estimate
Estimated loan amount
$217,000
Cash into the deal
$18,000
Monthly interest-only payment
$1,401
Get a real term sheet →
Estimates only, not a commitment to lend. Actual rates, leverage, and terms are set by underwriting after review of the property, budget, credit, and experience.
The difference
Why investors skip the bank.
A conventional mortgage is built for homeowners. Ours is built for deals with a clock on them.
| What matters on a deal | KC Home Offers | Conventional bank loan |
|---|---|---|
| Income verification | None — the deal qualifies | Tax returns, W-2s, pay stubs |
| Credit pull | Soft, no score impact | Hard pull |
| Time to funding | As fast as 7 days | 30–45 days, typically |
| Rehab financing | Up to 100% in the KC market | Rarely offered |
| Leverage | 90% purchase · 85% LTC on builds | Lower on non-owner-occupied |
| Prepayment penalty | None on builds · none after yr 3 on DSCR | Varies by product |
| Who underwrites it | Investors who buy in KC themselves | A committee that has never seen the block |
Bank figures are typical industry ranges for conventional financing, not quotes from any particular lender.
How it works
Four steps from application to funded.
One online form starts it. We keep the paperwork to what actually matters for the deal.
01
Submit application
Tell us the property, your project scope, and what financing you need.
02
Review & verification
We review your info, run a soft credit pull only, and collect supporting documents — leases, purchase contract, photos.
03
Underwriting & approval
Our team analyzes the deal, collateral, returns, and risk, then issues your term sheet.
04
Closing & funding
Sign closing documents, finalize title, and we disburse funds so you can get to work.
Two ways we help
Borrow on a property — or sell us yours.
KC Home Offers is both a private lender and a direct cash buyer, so we can take either side of the deal.
For investors
I need financing
Buy, rehab, refinance, or build. Wholesale deals, fix-and-flips, and rental refis welcome.
- No proof of income needed
- Soft credit pull, no score impact
- Funding in as little as 7 days
For homeowners
I need to sell fast
Get a straightforward cash offer on your house — no listing, no repairs, no showings on someone else’s schedule.
- Sell as-is, in any condition
- You pick the closing date
- No agent commissions
Who you’re working with
We’ve got the best loan product on the market. I’m the founder of multiple companies and a real estate investor myself, and I guarantee the lowest fees and rates available in KC. I’d love to personally connect with you.
AA
Ashley Abbott
Founder, KC Home Offers LLC
Founder, KC Home Offers LLC
Quick loan process
Very low rates
No proof of income
Easy application
01
Integrity & transparency
Always doing what’s right — from honest terms to clear communication. Borrowers deserve to know exactly what they’re signing up for on rates and fees, and we deliver that clarity.
02
Competitive financing
Better terms and bigger savings on the products investors actually use: rental refis, rehabs, and ground-up builds.
03
Local expertise
We invest in Kansas City ourselves. That means realistic values, realistic rehab budgets, and lending decisions that hold up.
04
Reliability & trust
When we issue a term sheet, we close on it. Over 300 loans approved and a 20+ year track record behind every commitment.
FAQ
Questions we get every week.
Still stuck on something? Call +1 (816) 203-0648 and talk it through with a person.
What types of loans do you offer?
Three products for real estate investors: DSCR loans for long-term rentals, fix & flip (hard money) loans for purchase and rehab, and new construction loans for ground-up builds. We also handle refinances on rental portfolios and wholesale deals.
How do I apply for a loan?
Start with the online application — it takes about ten minutes and covers the property, your project scope, and the financing you need. From there we do a soft credit pull and ask for supporting documents such as leases, the purchase contract, and photos.
Can I apply if I have a low credit score?
Often, yes. We underwrite the deal — the property, collateral, and projected returns — rather than your personal income, and we use flexible qualification guidelines with no tax returns or income documents required. Because the pull is soft, asking costs you nothing.
How fast can you fund?
Fix & flip deals can fund in as little as 7 days once title and closing documents are in order. Timing depends mostly on how quickly documents and title work come back.
Do you lend outside Kansas City?
Yes. We lend nationwide up to 90% of purchase, and 100% rehab financing is available specifically in the Kansas City market where we know values and contractors firsthand.
Are there prepayment penalties?
DSCR loans carry zero prepayment penalty after year three, and our new construction loans have no prepayment penalties. Your term sheet always spells this out before you sign.
Can you buy my house for cash instead?
Yes — we buy directly, as-is, with no agent commissions and a closing date you choose. Send the property details through the form below and we’ll follow up with an offer.
From the blog
Guides for people who do this for a living.
Thirty-plus guides on financing, rehab math, and selling fast — written for investors and homeowners in the Kansas City market.
Fix & flip
Fix and Flip Loans: The 2026 Investor Guide to Fast Rehab Financing
In the fast-moving real estate market of 2026, the most expensive capital isn’t the one with the highest interest rate. It’s the capital that arrives late.
Read the guide → DSCR & rentalsDSCR Loans for Airbnb: 2026 Short-Term Rental Guide
What if your tax returns were the least important factor in your next property acquisition? For many ambitious investors, that is exactly the case.
Read the guide → Selling for cashSell My House Fast: The 2026 Guide to Cash Offers and Quick Closings
The national median time to sell a home through traditional channels has climbed to 66 days in 2026 — over two months of carrying costs.
Read the guide →Fix & flip and hard money
- Fix and Flip Spreadsheet Guide: 2026 Analysis Tools
- ARV Calculator: 2026 Guide for Real Estate Investors
- Rehab Loans: The Complete 2026 Guide
- Is Flipping Homes Lucrative in 2026?
- Hard Money Loans: 2026 Guide to Asset-Based Lending
- Hard Money Loan vs DSCR Loan: Which Wins in 2026?
- Short-Term Real Estate Loans: Roundup Guide
- Bridge Loan Real Estate: Short-Term Funding
Rentals, DSCR and scaling
Selling your house
Ground-up construction
Kansas City and deal flow
Get in touch
Talk to a real lender, not a call center.
Send us the deal or the property and we’ll come back with next steps — usually the same business day.
Phone
+1 (816) 203-0648Call or text any time
Email
info@kchomeoffers.com
Office
601 NE Applewood StLee’s Summit, MO 64063
Clients
Client Login ↗Check your loan status and documents
Low rates. Fast funding. No hassle.
Ready when your next deal is.
Forget the long waits and endless requirements. Straightforward approvals, clear terms, and fast access to funds when the opportunity shows up.
No income verificationDeal-based underwriting
Credit checkSoft pull only
Fastest funding7 days