Loan Application | KC Home Offers

Welcome — Select Your Loan Type

All loans must be held in the name of a business entity. Select the product that best fits your deal.

Loan Product *

🔨

Fix & Flip / Bridge

Purchase & rehab — sell or refinance. Up to 95% LTC, 12–24 month terms.

🏠

DSCR Purchase

New rental acquisition. Qualifies on property cash flow — no income docs.

🔄

DSCR Refinance

Cash-out or rate/term refi on existing rental. Up to 75–80% LTV.

Please select a loan type to continue.

Eligibility Confirmations

KC Home Offers requires the following confirmations before any loan can be submitted. Please review and check each box.

Required Confirmations *

The borrower is a U.S. citizen or Permanent Resident.

Non-permanent residents or foreign nationals have limited eligibility. Contact us before proceeding.

The owner(s) of the property and the guarantor will NOT occupy the property.

This program only finances non-owner-occupied investment properties.

I understand this loan application will be submitted by KC Home Offers on my behalf.

KC Home Offers arranges business-purpose real estate loans exclusively for business entities and may receive compensation in connection with this transaction.

All three confirmations are required to proceed.

Preferred Signing / Closing Date

Preferred Closing Date

We will use this to schedule your signing appointment. Some states require 1 day between signing and funding.

Entity & Borrower Information

All loans must be held in the name of a legal business entity. Provide the exact legal entity details below.

Borrowing Entity

Full Legal Entity Name *

Entity Email Address *

Entity Type *

State of Incorporation *

EIN / Federal Tax ID *

Street Address *

Suite / Unit

City *

State *

ZIP Code *

Mailing address is the same as above

Mailing Street Address

Suite / Unit

City

State

ZIP

Closing Document Signer

Will the borrowing entity above be the signing entity? *

Yes — same entity No — different signing entity

Signing Entity Name

Signing Person's Full Name *

Signing Person's Title *

Entity Members & Participants

List every individual or entity with an ownership interest. SSN and DOB are required for identity verification.

All Members / Owners *

Include all owners. You may add both individual people and corporate entities. Total ownership must equal 100%.

Personal Guarantor Information

A personal guarantee is required on all loans. Provide complete and accurate personal details for the guarantor.

Guarantor Identity

First Name *

Last Name *

Suffix

Residency Status *

Country of Citizenship *

Date of Birth *

SSN / ITIN *

Stored securely. Required for identity verification.

Marital Status *

Estimated FICO Score *

Minimum: 660. Higher score = better rate & LTV.

Email Address *

Mobile Phone *

Alternate Phone

Guarantor Home Address

Street Address *

Apt / Unit

City *

State *

ZIP *

Mailing address same as above

Mailing Street Address

Apt / Unit

City

State

ZIP

Property Information

Details about the subject investment property.

Property Address

Street Address *

Unit / Apt (optional)

City *

State *

ZIP Code *

Property Details

Property Type *

Number of Units *

Inspection / Appraisal Access

A property inspection or appraisal will be ordered. Provide contact information for access.

Who should we call to schedule property access? *

Use Guarantor Contact Info Different Contact Person

Contact Name *

Contact Phone *

Contact Email

Property Access Instructions *

Loan & Deal Details

Financial information specific to your loan type. Be as accurate as possible — these numbers directly affect your rate and LTV.

Fix & Flip — Acquisition & Rehab

Purpose of Loan *

Real Estate Investment Experience *

More experience = lower rate. Verified during underwriting.

Purchase Price *

As-Is Property Value *

After Repair Value (ARV)

Contract Expiration Date *

Seller Concessions

Assignment Fees

Will You Request Rehab Funds? *

Yes — include rehab funds No — purchase only

Estimated Cost of Rehab

Sale Type & Exit Strategy

Sale Type *

Exit Strategy *

Est. Days to Complete Rehab *

Target Finish Quality *

Exit Strategy Description *

Scope of Work / Rehab Details

Property Occupied at Closing? *

Current Sq. Ft.

Current Bedrooms

Current Bathrooms

After Rehab Sq. Ft.

After Rehab Bedrooms

After Rehab Bathrooms

Full Project Scope / Description *

Special Conditions — Check All That Apply

Adding above-ground bedrooms, bathrooms, or square footage Finishing or adding a basement Adding or rehabbing an ADU (Accessory Dwelling Unit) Repairing fire damage

DSCR Purchase — Deal Details

This loan is qualified on DSCR = Monthly Rent ÷ Monthly PITIA. Minimum DSCR: 1.1. No personal income documentation required.

Real Estate Investment Experience *

Sale Type *

Purchase Price *

Contract Expiration Date *

Seller Concessions

Assignment Fees

DSCR Calculation Inputs

Est. Monthly Rental Income *

Rental market analysis will be provided via appraisal.

Est. Annual Property Insurance *

Est. Annual Property Taxes *

Est. Monthly HOA Fee

Occupancy & Lease Status

Is the property currently leased? *

Yes — Tenant in Place No — Property is Vacant

Tenant Full Name

Current Monthly Rent

Lease Expiration Date

DSCR Refinance — Property & Existing Loan

Cash-out max LTV: 75%. Rate/term max LTV: 80%. Min DSCR: 1.1. No income verification required.

Refinance Type *

Real Estate Investment Experience *

Estimated Current Property Value *

Current Loan Balance *

Current Lender Name *

Current Interest Rate

Loan Maturity Date

Current Monthly Payment

Property Acquisition Date

Used for prepayment penalty calculation.

Desired Cash-Out Amount *

DSCR Calculation Inputs

Est. Monthly Rental Income *

Est. Annual Property Insurance *

Est. Annual Property Taxes *

Est. Monthly HOA Fee

Lease Status

Is the property currently leased? *

Yes — Lease in Place No — Vacant

Tenant Full Name

Current Monthly Rent

Lease Expiration Date

Third-Party Information

Your closing agent and hazard insurance agent details are required. Provide what you have — this can be updated after submission.

Closing Agent / Title Company

We work with your chosen title company or closing attorney. Provide their contact information so we can coordinate the preliminary title report and closing protection letter.

Closing Agent / Title Contact Name

Contact Phone

Contact Email

Title Company / Firm Name

Hazard Insurance Agent

Proof of hazard insurance is required before closing. Provide your insurance agent so we can coordinate the insurance binder.

Insurance Agent Name

Agent Phone

Agent Email

Insurance Company / Agency Name

Document Uploads

Upload all available documents now. Required documents must be on file before loan submission. You can submit now and upload missing items later.

📋 Upload what you have. Submitting without all documents is OK — Ashley will send you email reminders for any missing required items.

Review & Submit

Review your application before submitting. You can go back to edit any section.

Final Acknowledgment

I certify that all information provided is accurate and complete. I authorize KC Home Offers to submit this application on my behalf, including a soft credit pull for pre-qualification purposes.

Please check the acknowledgment box to submit.

Investor Loan Application Portal

Application Submitted!