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Hi, Welcome to North Oak Investment
We're Glad You're Here.


North Oak Investment Private and Hard Money Lenders of Kansas City is the premier source for investment hard money loans. As one of Kansas Cities' top fix and flip rehab lenders, we're able to offer hard money funding for investors in and around the Kansas City, Missouri area for residential real estate rehab properties.

When you engage North Oak Investment to fund your fix & flip rehab project, we will help you determine the deal's viability. Our process ensures that you will make money if we choose to fund the deal, and you complete the project in a professional and timely manner.


Our proprietary algorithm combines your repair list and costs, the appraisal, and our experience with thousands of rehab loans to create a repair budget that is complete and the costs are realistic.

Is Hard Money Right For You?

What Types of Deals Should Hard Money Loans Be Used For?

Hard money loans are not appropriate for all deals. When purchasing a house with good credit, income history, and there are no issues such as a short sale or foreclosure, conventional financing through a bank might be the best way to go if the borrower has time to go through the lengthy approval process required by a bank. Hard money is your source of financing when banks are not an option, or the loan is needed for a short period.

Hard money loans are ideal for situations such as:
  • ​Fix & Flip Projects

  • When the borrower has credit issues

  • When a real estate investor has to act quickly

Who Should Use a Hard Money Loan?

Real estate investors choose to use hard money for many different reasons. The main reason is the ability of the hard money lender to fund the loan quickly. Hard money loans can be funded quicker than the 30 – 45 days it takes to get a bank loan funded. The application process for a hard money loan generally takes a day or two, and in some cases, a loan application can be approved the same day. Good luck hearing back about a loan approval from your bank within the same week!


Obtaining funding at a much faster rate than a bank loan is a significant advantage for a real estate investor. Especially when the real estate investor is trying to acquire a property with many competing buyers, a quick close with a hard money loan will get a seller's attention and set their offer apart from the rest of the buyers offering slow conventional financing.

Another reason a borrower may choose to use a hard money loan is because the banks have rejected them for a conventional loan. Life doesn’t always go as planned. Short sales, foreclosures, credit issues… they happen. Another important thing banks need to see is income history. If a potential borrower recently started a new job, the bank may deny the loan request due to insufficient income history, even if the borrower makes a healthy income. Hard money lenders can look past these issues as long as the loan to value (LTV) makes sense and the after repair value (ARV) is adequate to repay the loan. We are essentially funding the deal, not you, so long as you can complete and sell the project in a timely manner.


If you are ready to get started,
click the Apply Now button

If you have more questions,
click the Contact Me button

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