Fix and Flip in Kansas City

Later than most investors expect, and on a fixed date. Jackson County values new construction and improvements as though completed on January 1 of the preceding odd-numbered year, so a rehab finished in 2026 lands on the roll at the 2027-01-01 valuation date rather than showing up right away. That step is not shielded by the state's 15% physical-inspection cap on assessment increases, which protects existing value, not new improvement value. Budget the post-rehab tax jump for the following year's roll, not the year you did the work.

Not from a published city schedule, so do not underwrite one. No Kansas City residential permit fee schedule, plan-review timeline, or impact fee could be sourced for this page; the city's own permitting pages block automated access, and no other Jackson County suburb's permit timeline was sourced either. Get a current fee and turnaround estimate directly from the Kansas City permit office before you set your rehab budget or your hold-period assumption.

Less than which school district you're in. On the county's own 2025 levy schedule, a Kansas City address in Kansas City 33 schools carries an effective rate of about 1.59% of market value, while a Kansas City address in Raytown schools runs about 1.72%, a spread of roughly 0.30% of market value a year, or about $720 on a $240,000 asset (240,000 x 0.0030 = 720). Two houses inside the same city limits can carry meaningfully different tax lines. Pull the parcel's tax code, not just its city, before you underwrite the hold.

No, because there is no owner-occupied break to lose. Missouri assesses residential property, rentals included, at a flat 19% ratio with no unit-count cutoff and no separate treatment for an owner-occupied home versus an investor-owned flip. A non-owner-occupied Jackson County rehab is taxed the same as an owner-occupied house next door under the same tax code. The one carve-out runs the other way: property operated primarily as short-term transient housing can be pushed out of that 19% residential subclass, so a flip you plan to exit as a nightly rental carries different tax exposure than one you sell or hold long-term.

Wind and hail, not fire or flood, drive the pricing here. Jackson County sits in the severe convective storm and hail corridor, so a Kansas City landlord or builder's risk policy is priced and underwritten around roof age and hail claims first. New Madrid earthquake exposure, a real factor for southeast Missouri and St. Louis, is materially weaker on this side of the state and should not be underwritten the same way. No Jackson County flood map, levee status, or flood take-up data could be sourced for this page, so confirm flood zone and coverage on the specific parcel rather than assuming it either way.

Clean standing on every other Kansas City property you own. The Land Bank of Kansas City, Missouri, a common source of distressed fix and flip inventory, will not sell to a buyer who is delinquent on taxes or in an unremediated code violation on any other Kansas City property, and it requires proof of funds for both the asking price and the rehab budget before you can offer on a structure. A funded, documented rehab facility functions as an acquisition qualification here, not just a closing convenience. Talk to us early if Land Bank inventory is part of your pipeline.

We fund up to 90% of the purchase price and up to 100% of your rehab budget, with the total capped against the after-repair value (ARV). Rehab money is released in draws as the work is completed.

Our fix and flip pricing starts around 9.99%, interest-only, with origination typically 1 to 3 points depending on your experience, leverage, and the deal, and every quote is subject to underwriting. Across the market most flip loans run roughly 9% to 12%. On most flip loans, including ours, interest is charged on the full loan amount, rehab budget included. Paying interest only on rehab funds as you draw them exists in the market, but it is the exception, not the rule.

No. We work with first-time flippers as well as full-time operators. Experience mainly affects your leverage and rate, since a longer track record earns higher loan-to-cost and better pricing. A newer investor can still get funded with a sound deal, a realistic budget, and a clear exit.

We can get you a term sheet the same day on a complete application, and we typically fund within 48 hours of clear title. The main variable is how fast title and insurance come together, which is why a full close usually runs 5 to 7 days. Because we are the lender and underwrite in house, there is no second layer of approval to wait on.

No. Our fix and flip loans have no prepayment penalty, so paying off early when the property sells costs you nothing extra. Terms run 6 months, and because there is no penalty, selling sooner never costs you extra.

We run credit, but this is an asset-based loan, so the property, your budget, and the ARV matter most. We do not ask for W-2s or tax returns to qualify a flip. We will want to confirm you have reserves to carry the project to its exit.