Kansas DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Kansas (KS) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Kansas utilize Judicial (District Court Action) security instruments, with an average non-homestead effective property tax rate of 1.34%, a median 1–4 unit investment home price of $265,000 (median rent $2,100/mo), and 5+ unit multifamily market rents averaging $1,260/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Judicial (District Court Action)EFFECTIVE PROPERTY TAX
1.34% Avg ($296/mo)MEDIAN 1–4 UNIT PRICE & RENT
$265,000 · $2,100/mo5+ UNIT MULTIFAMILY RENT
$1,260/door/moKansas Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $265,000·Loan/Door: $198,750·Avg Rent/Door: $2,100/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.26xCanonical:
126 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$198,75019,875,000 _cents
Monthly P&I Debt Service$1,273/mo@ 6.625% Note Rate
Total Monthly PITIA$1,661/moTax: $296 · Ins: $93
Net Monthly Cash Flow+$439/mo$5,265/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $1,661/mo | 1.26x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $1,694/mo | 1.24x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,548/mo | 1.36x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Kansas Cities with Population ≥ 50,000 (10 Markets)
Click any Kansas city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (KS) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Wichita, KS → | SEDGWICK County County | 421,342 | 1.31% | $285,000 | $2,250/mo | $1,350/door |
| Overland Park, KS → | JOHNSON County County | 197,573 | 1.23% | $270,000 | $2,200/mo | $1,300/door |
| Kansas City, KS → | WYANDOTTE County County | 161,846 | 1.31% | $285,000 | $2,250/mo | $1,350/door |
| Olathe, KS → | JOHNSON County County | 143,755 | 1.29% | $235,000 | $1,850/mo | $1,125/door |
| Topeka, KS → | SHAWNEE County County | 139,170 | 1.39% | $275,000 | $2,150/mo | $1,300/door |
| Lawrence, KS → | DOUGLAS County County | 98,984 | 1.31% | $250,000 | $2,000/mo | $1,200/door |
| Shawnee, KS → | JOHNSON County County | 70,112 | 1.39% | $275,000 | $2,150/mo | $1,300/door |
| Manhattan, KS → | RILEY County County | 61,196 | 1.37% | $255,000 | $2,050/mo | $1,225/door |
| Lenexa, KS → | JOHNSON County County | 54,875 | 1.39% | $275,000 | $2,150/mo | $1,300/door |
| Salina, KS → | SALINE County County | 52,152 | 1.29% | $250,000 | $2,000/mo | $1,175/door |