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UNITEDLENDING

Kansas City rental loans · DSCR

DSCR loans for Kansas City rentals, qualified on the rent the property brings in.

We finance rentals in Jackson, Clay, Platte and Cass counties in Missouri and Johnson and Wyandotte counties in Kansas. Our DSCR loans go up to 85% loan-to-value on a purchase and up to 80% on a cash-out refinance, with a 620 minimum credit score and a 0.75 minimum DSCR. These are separate limits, not one combined offer: the highest leverage goes to stronger credit and rent coverage, and a lower score or ratio means lower leverage.

Get DSCR termsAbout DSCR loans
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Market data

Kansas City rents against prices, September 2026

A DSCR loan comes down to rent against the full payment. Metro rents grew faster than the US average this year, and the gap between counties is wide: in Wyandotte the yearly rent is 7.7% of the typical value, in Johnson 4.6%.
Kansas City rents against prices, September 2026
MeasureKansas CityChangeSource and month
Typical rent, single-family homes (metro)$1,792+4.8% in a yearZillow Observed Rent Index, single-family, Sep 2026
Typical rent, all homes (metro)$1,534+3.8% in a year (US +2.7%)Zillow Observed Rent Index, Sep 2026
Typical home value (metro)$324,887+3.7% in a yearZillow Home Value Index, Sep 2026
Gross yield, Jackson County, Mo.7.0%$1,446 rent on a $247,543 valueZillow ZORI ÷ ZHVI, Sep 2026
Gross yield, Wyandotte County, Kan.7.7%$1,322 rent on a $206,653 valueZillow ZORI ÷ ZHVI, Sep 2026
Gross yield, Johnson County, Kan.4.6%$1,760 rent on a $458,265 valueZillow ZORI ÷ ZHVI, Sep 2026
Effective property tax rate1.12% Jackson · 1.14% Johnson · 1.46% Wyandotte—Census ACS 5-year, median tax ÷ median value, 2020–2024
Zillow's 12-month value forecast (metro)+2.9%US: +1.1%Zillow Home Value Forecast, Sep 2026 to Sep 2027

Gross yield is twelve months of Zillow's all-homes rent divided by its typical home value. The single-family rent index ran about 17% above the all-homes index metro-wide, so a house can beat its county's figure. The rent a lender uses comes from the appraiser's market-rent schedule and your lease.

Where we lend

Where rent covers more of the payment

The ratio is set house by house, but rent-to-price ratios differ a lot across the metro. City figures from Zillow, September 2026, with yearly rent shown as a share of the typical value:
  • IndependenceMO$210,944 typical value and $1,395 rent, about 7.9%. Jackson County taxes; the worked example below is set here.
  • Raytown and GrandviewMORaytown at $207,260 and about 8.6%; Grandview at $218,488 and about 7.5%. Both in Jackson County, so the 2027 reassessment note below applies.
  • Kansas City, Kan.KS$199,779 typical value and $1,322 rent, about 7.9%. Wyandotte's 1.46% effective tax rate is the highest of the six core counties, so it takes a bigger bite of the payment.
  • Kansas City, Mo.MO$250,185 typical value and $1,446 rent, about 6.9% city-wide, with a wide spread between ZIPs. Lease comps on the specific block matter more than the average.
  • Belton and Cass CountyMOBelton runs about 7.6%. Cass County rents rose 6.4% in a year, the fastest of the core counties, on the lowest effective tax rate of the six (0.86%).
  • Overland Park, Olathe and Johnson CountyKSOverland Park at $480,952 and about 4.4%; Olathe at $433,091 and 5.0%. A Johnson County rental usually needs more cash in to reach 1.00, in exchange for the metro's strongest appreciation (+4.7% county-wide).

Loans in Kansas City

Rental loans for each stage of a Kansas City hold

DSCR rental loans

Buy or refinance a rental on its rent, with a $75,000 minimum loan and prepayment options from none up to five years.

DSCR loans: terms

Bridge loans

The house won't rent until it's fixed? A bridge loan covers up to 95% of the cost at the start, interest only, for 12 to 18 months. Lease it up, then move it onto a DSCR loan.

Bridge loans: terms

Fix and flip loans

For a full renovation, our flip loan funds up to 100% of the rehab budget, and the finished rental can refinance into DSCR instead of being listed.

Fix and flip loans: terms

A local example

ILLUSTRATIVE · INDEPENDENCE, MO. RENTAL PURCHASE

Round, illustrative numbers built on the market figures above. Not a quote.
Worked example

ILLUSTRATIVE · INDEPENDENCE, MO. RENTAL PURCHASE

Rent: three-bed single-family house
$1,600
Principal & interest: $150,000 (75% of $200,000), an example 30-year amortization at 7.50%
$1,049
Property tax: Jackson County's 1.12% on the purchase price
$187
Landlord insurance: about 1.1% of value a year (estimate)
$183
HOA dues
$0
Monthly payment (PITIA)
$1,419
DSCR: 1,600 ÷ 1,4191.13

Illustrative inputs, not a quote: the $200,000 price, $1,600 rent, 75% loan, 7.50% rate and 30-year amortization were picked to show the math, and your loan officer quotes rate and leverage for your deal. For scale, Zillow put Independence ZIP 64056 at a $231,958 typical value and $1,634 typical rent in September 2026. Move the same house to Wyandotte County's 1.46% tax rate and the payment rises to $1,475 (DSCR 1.08); at an 8.00% rate it is $1,471 (DSCR 1.09).

Before you close in Kansas City

Kansas City details that move a DSCR

Tax Jackson County deals at your priceJackson County capped 2023 assessment increases at 15%, and owners whose value rose more get credits on their 2026–2028 bills. The cap ends with the 2027 reassessment. A ratio built on the seller's current bill can shrink when it does, so the example above taxes the purchase price.
Kansas revalues every yearJohnson and Wyandotte counties reappraise annually and assess residential property at 11.5% of that value, so your purchase price shows up in the bill quickly. On the $200,000 example house, Wyandotte's rate means $243 a month of tax against $187 at Jackson County's.
Hail drives the insurance lineInsurance.com's March 2026 ranking put Kansas third-most expensive in the country for homeowners coverage, and both states sit in hail country. Get a landlord (DP-3) quote on the address and read the wind and hail deductible before you count on a ratio; insurance alone can move it by several hundredths.
Nightly rent rarely fits a KCMO houseIn Kansas City, Mo., short-term rentals by non-resident owners are barred in residential zones except for rentals registered before June 15, 2023. For most houses there, plan the loan on a 12-month lease. Kansas City, Kan. and the Johnson County cities have their own rules to check.

Kansas City loans

Tell us about the rental. We'll size the loan on its rent.

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

DSCR loans in Kansas City: questions

Do you offer DSCR loans on the Kansas side of Kansas City?

Yes. Rentals in Johnson and Wyandotte counties qualify the same way as those in Jackson, Clay, Platte and Cass: rent against the full monthly payment. The tax line is the main difference, because Kansas revalues every year and Wyandotte's effective rate (1.46%) runs above Jackson's (1.12%).

What DSCR do I need on a Kansas City rental?

Our minimum DSCR is 0.75, and the lower the ratio, the lower the leverage; we set yours on the call. Leave yourself room above 1.00: the illustrative Independence house comes in at 1.13, and half a point more on the rate takes it to 1.09 before any change in the rent opinion or the insurance quote.

Which Kansas City areas have the strongest rent-to-price ratios?

On Zillow's September 2026 figures, Raytown (about 8.6% of value a year), Independence and Kansas City, Kan. (about 7.9% each) and Belton (7.6%) were among the higher ones, against about 4.4% in Overland Park. A ratio is still decided by the specific house: its price, lease comps, tax bill and insurance quote.

Can short-term rental income qualify a Kansas City, Mo. property?

Usually not, because the city bars non-resident short-term rentals in residential zones unless they were registered before June 15, 2023 and renewed. If your property is in a commercial zone or holds a grandfathered registration, bring the details to the call and we'll go through how we would treat the income.

I live outside Missouri and Kansas. Can I get a DSCR loan on a Kansas City rental?

Yes. We lend nationwide, and a DSCR loan is qualified on the property's rent, so where you live doesn't change the file. Plan for the lease or rent estimate, property details, an insurance quote and bank statements for the cash you'll bring.

Can I move a finished Kansas City rehab onto a DSCR loan?

Yes. A rental you bought with a bridge or flip loan can refinance onto one of our DSCR loans once it's leased. On a cash-out refinance we lend up to 80% of the appraised value. That limit isn't one combined offer with the 620 score and 0.75 ratio minimums: the highest leverage goes to stronger credit and rent coverage, and a lower score or ratio means lower leverage. How long you need to own the house first is something we'll confirm on your call.

Sources (8)Checked November 4, 2026

United Lending's own loan terms come from its published program limits as of the date above. Market figures and rules come from the public sources listed here. Your actual terms depend on the property, your credit and experience, and underwriting.

  1. Zillow Research: home values (ZHVI), rents (ZORI), days to pending, sale prices, inventory and forecasts, September 2026 release
  2. U.S. Census Bureau, ACS 2020–2024 5-year, B25103 median real estate taxes paid, by county
  3. U.S. Census Bureau, ACS 2020–2024 5-year, B25077 median home value, by county
  4. KCUR and The Beacon, “FAQ: 2025 Jackson County property tax bills” (Dec 1, 2025)
  5. Missouri State Tax Commission, Assessor Manual ch. 2: residential property at 19%, odd-year reassessment
  6. K.S.A. 79-1439: Kansas assessment rates (residential property at 11.5%)
  7. Insurance.com, homeowners insurance cost by state (March 2026)
  8. City of Kansas City, Mo.: short-term rental Ordinances 230267 and 230268 (effective June 15, 2023) and 250965