85% LTC. Interest-Only.
Kansas City builders and investors: ground-up construction financing up to 85% LTC and 75% LTARV. 12-24 month terms. Interest-only during build. Fast draw releases.
Check My Kansas City Construction Rate →Ground-up construction loans in Kansas City qualify based on the project — land, budget, plans and projected completed value — plus your build experience, not your W-2 or tax returns. Up to 85% LTC and 75% LTARV, 12-24 month terms, interest-only on drawn funds, first-time builders welcome with experience.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Kansas City offers a strong combination of affordability ($235K median), high yields (8.5%+), and steady appreciation. Stable employment from corporate HQs (Cerner, H&R Block, Sprint) drives consistent rental demand.
Active rental submarket with strong tenant demand and consistent occupancy
Premium long-term rental market with stable appreciation
Urban rental district favored by young professionals
Family-oriented rental submarket with steady cash flow
Affordable entry point with strong rent-to-price ratios
We also fund investments throughout the greater Kansas City metro including Overland Park (KS), Lee's Summit, Independence, and Liberty.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Borrower names and exact addresses anonymized for privacy. Rates and terms reflect actual closed deals through LendingStreet's network of 30+ capital sources.
Kansas City ground-up construction loans go up to 90% LTC (loan-to-cost) and 75% LTARV (loan-to-after-repair-value).
12-24 months standard. Extensions available if needed. Most spec builders prefer 18-month terms.
Yes, but interest-only on funds drawn — not the full loan. This keeps carrying costs manageable during the build phase.
5-7 business days from inspection. We work with regional inspectors familiar with the Kansas City market.
680+ for standard programs. 720+ unlocks the best pricing. Experience required (1-2 completed projects).
Yes. Standard for construction projects — provides liability protection during the build phase.
$250K minimum. Maximum $5M+ for qualified borrowers with development experience.
Yes. Kansas City infill projects are a core market. Custom homes, spec builds, and townhouse projects all qualify.
No credit pull. No commitment. Speak with a licensed financing company that knows the Missouri investor market.
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2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.