Non-QM Loans in Kansas City, KS
Find lenders offering non-qm loans in the Kansas City, including Overland Park, Olathe, Lenexa, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Non-QM Lenders Serving Kansas City
33 lenders offering non-qm loans in the Kansas City, KS area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
Anaheim, CA
Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
New American Funding
Tustin, CA
Large national lender offering non-QM programs including bank statement loans, asset-based loans, and jumbo non-QM. Max loan $2.5M. Also offers conventional and government loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
Rocket Mortgage
Detroit, MI
Nation's largest online home lender. Offers some non-QM products alongside conventional, FHA, VA, and jumbo loans. Fully digital application process.
Sprout Mortgage
New York, NY
Non-QM wholesale lender. Bank statement, asset depletion, foreign national, and investor programs.
Truss Financial Group
CA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Acra Lending
CA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
Arc Home
NJ
Wholesale and correspondent lender offering DSCR loans for real estate investors. Part of Angelo Gordon's platform with competitive non-QM pricing.
Kansas City Commercial Real Estate Market
The Kansas side of the Kansas City metro — encompassing Overland Park, Olathe, Lenexa, and Shawnee — has become the dominant suburban office and corporate campus market in the bi-state region, with the College Boulevard corridor in Overland Park serving as the metro's largest suburban office submarket. Sprint's former campus (now T-Mobile's) in Overland Park, Garmin's headquarters in Olathe, and the Cerner (now Oracle Health) campus in south Kansas City have established a significant technology and healthcare IT employment cluster. The Johnson County industrial market benefits from proximity to major intermodal facilities and the BNSF Logistics Park Kansas City in Edgerton, one of the largest inland ports in North America. Kansas offers a more aggressive business incentive structure than neighboring Missouri, which has fueled ongoing commercial tenant migration across the state line.
Key Economic Drivers
- ●Overland Park College Boulevard office corridor and T-Mobile campus
- ●Garmin headquarters and Oracle Health (Cerner) campus in Johnson County
- ●BNSF Logistics Park Kansas City intermodal facility in Edgerton
- ●Kansas economic development incentives driving cross-state-line tenant migration
Market Insight
Kansas's Economic Development Exemption allows qualifying new commercial and industrial properties to receive up to a 10-year full property tax abatement, and Johnson County's STAR Bonds program has financed major projects like the Kansas Speedway Village entertainment district — these incentives have been pivotal in attracting tenants from the Missouri side.
Non-QM Loans in Kansas City, Kansas
Non-Qualified Mortgage (Non-QM) loans are for borrowers who don't meet conventional lending criteria — self-employed, irregular income, recent credit events, or foreign nationals. They use alternative documentation like bank statements, asset depletion, or property cash flow to qualify. In the Kansas City metro area, borrowers can access 33 lenders offering Non-QM financing, including Overland Park, Olathe, Lenexa, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 6.5% - 10%.
Who Should Consider Non-QM Loans?
- Self-employed borrowers
- Bank statement borrowers
- Foreign nationals
- Recent credit events (bankruptcy, foreclosure)
Key Requirements
- Alternative income documentation
- Down payment 10-25%
- Property appraisal
- Minimum credit score varies (580-680)
Advantages
- ✓Alternative income documentation
- ✓Flexible credit requirements
- ✓Available soon after credit events
- ✓Interest-only options
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Limited lender options
- •May require reserves
Non-QM Loans in Other Kansas Cities
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