Longleaf Lending Wichita Kansas DSCR Loans

DSCR Loans in Wichita Kansas:
Modern Financing for Investors

Veteran-owned lender, offering investors DSCR Loans in Wichita Kansas for no-income-verification, hassle-free long-term financing.

Modern, long-term financing solutions

Why Choose Longleaf Lending for Your Wichita Kansas DSCR Loan Needs

Crafted with savvy Wichita Kansas investors in mind, our Long-Term DSCR Loans enable wealth building through a diverse portfolio of rental properties. By prioritizing your investment property's rental income and cash flow metrics, we simplify the loan process. As a top DSCR lender, enjoy competitive interest rates starting at 6.5%.

No Income Verification
Our no-income-verification process eliminates traditional barriers, focusing on your investment's cash flow to qualify you for a loan. This DSCR-centered approach ensures a hassle-free experience, catering specifically to real estate investors' unique needs.
Tailored to Investment Goals
Whether you're investing in short-term vacation rentals or long-term leases, our DSCR loans are crafted to align with your strategic investment plans. This versatility ensures that whatever your goals, our financing solutions fit perfectly.
Efficiency and Speed
At Longleaf Lending, we value your time. Our Wichita Kansas DSCR loan application and approval processes are optimized for efficiency, ensuring quick, smooth progress from your initial application to the final funding.
Adaptive Financing Solutions
Our financing options are as diverse as the properties you invest in. We're committed to offering flexible DSCR solutions that accommodate a wide range of property types and investor profiles.

Fast and simple

How Longleaf Lending's DSCR Loans Work

DSCR (Debt Service Coverage Ratio) loans are a type of financing used by real estate investors that focus on the income generated by the property rather than the personal income of the borrower. Here’s a simplified explanation:

The DSCR is calculated by dividing the property's Net Operating Income (NOI) by its total annual debt payments. NOI reflects the positive cash flow from the property after operating expenses (mortgage payment, taxes, and insurance) are subtracted.
Criteria for approval.
For Wichita Kansas, we typically require a DSCR greater than 1.0, indicating the investment property generates sufficient cash flow to cover its debt obligations. A common threshold is a DSCR of 1.0 to 1.2 or higher, but it is possible to go lower.
No personal income verification.
The approval process emphasizes the property’s cash flow potential, not the borrower's personal financial situation, allowing for more accessible financing for investors.
Craftsman house

DSCR Loan Terms

Get the financing you need to build wealth with real estate in Wichita Kansas using our DSCR long-term 30-year investor loans.

Terms current as of April 25, 2024

Long Term Rental Loan
Loan Value:
Up to 80% (as is)
Interest Rate:
Starting at 6.5%
30 years
Closing Time:
As fast as 2 weeks
600 minimum

DSCR Loan Requirements Simplified

Understand DSCR Loan Wichita Kansas Requirements

Securing a DSCR Loan in Wichita Kansas involves a focused evaluation of your experience, liquidity, credit score, and investment property's income potential. Here's a summary of the current requirements you should know before applying for a DSCR Loan in Wichita Kansas:

DSCR Calculation:
Minimum of 0.65x
Credit Score:
600 minimum
Loan Amount:
$75,000 to $3 million
Investor Experience:
none required
US Citizenship:
not required
Some of the key required documents include personal ID, bank statements, entity documentation if using a company (operating agreement, EIN letter, articles of incorporation), lease agreement (if currently leased), appraisal (requrested by us), and the purchase HUD (if purchased in the last 12 months).
Short or long-term rentals, vacant or occupied
Property Type:
SFR, 2-4 units, multifamily 5+ units, mixed use, or commercial
DSCR Loan Wichita Kansas requirements

Designed for Wichita Kansas investors

Build wealth through real estate with our DSCR Loans in Wichita Kansas

Wichita Kansas's Real Estate Potential: Ideal for 30-Year Rental and Long-Term DSCR Loans

Wichita Kansas long term rental property loans

Unleash the Potential of DSCR Loans in Wichita, Kansas Real Estate

Are you considering investments in the burgeoning real estate market of Wichita, Kansas? Your search for the perfect financing solution ends here! DSCR loans offer a strategic avenue tailored to the distinctive opportunities and dynamics of Wichita's real estate landscape, empowering investors to unlock potential and realize substantial returns on their investments.

Why DSCR Loans in Wichita, Kansas?

Wichita's real estate market presents a diverse spectrum of opportunities, ranging from residential neighborhoods to commercial and industrial sectors. In this dynamic environment, traditional lending avenues may not always align with investors' needs. DSCR (Debt Service Coverage Ratio) loans provide a customized solution by evaluating financing based on the income potential of the property itself.

DSCR loans are uniquely suited for Wichita's real estate market, allowing investors to leverage the income-generating capabilities of their properties to secure financing. Whether you're interested in residential rentals, retail spaces, or industrial properties, DSCR loans provide the capital necessary to capitalize on opportunities in this thriving city.

DSCR Benefits for Wichita Real Estate Investors

  1. Income-Centric Financing: DSCR loans assess the property's ability to generate income to cover debt obligations, offering a flexible financing option compared to traditional loans. This enables investors with solid investment prospects to secure financing based on the property's income potential, rather than solely on personal credit history.
  2. Tailored Solutions: DSCR loans offer investors tailored financing solutions, allowing for more flexible terms and potentially lower down payments. This flexibility empowers investors to structure deals in alignment with their investment objectives, maximizing returns.
  3. Risk Management: By evaluating the property's income potential, DSCR loans help mitigate risk for lenders, potentially resulting in more favorable rates and terms for investors. This risk management approach enables investors to confidently pursue opportunities in Wichita's real estate market.

Strategic Advantages of Investing in Wichita, Kansas Real Estate

  1. Economic Stability: Wichita boasts a stable economy, with key industries including aerospace, manufacturing, and healthcare. As a regional economic hub in Kansas, Wichita offers investors a resilient real estate market with opportunities for growth and profitability.
  2. Affordability: Wichita's lower cost of living and affordable housing market make it an attractive destination for residents and businesses alike. Investing in Wichita real estate allows investors to capitalize on affordability while appealing to tenants and buyers seeking value and quality.
  3. Strategic Location: Wichita's central location provides easy access to major transportation routes and regional markets. As a vital transportation and logistics hub, Wichita serves as a pivotal link in the Midwest, driving demand for industrial and commercial real estate.

DSCR loans provide a strategic advantage for real estate investors looking to capitalize on the diverse and dynamic Wichita real estate market. By leveraging the city's economic stability, affordability, and strategic location, investors can unlock the full potential of their investments and achieve substantial returns in the vibrant city of Wichita, Kansas. Partner with us to explore your financing options and unleash potential in Wichita real estate today!

Wichita Kansas DSCR Loan frequently asked questions

How is DSCR Calculated in Wichita Kansas?

How is DSCR calculated in Wichita Kansas?

In Wichita Kansas, the Debt Service Coverage Ration (DSCR) is calculated by dividing a property's rental income by it's expenses. In some cases another method could be used which involves dividing Net Operating Income (NOI) by the Debt Service.

Income: For simplicty purposes, you can think about the top line as the annual rental income for your investment property. In some cases a 90% factor might be applied.

Expenses: There are four main components of the expenses.

  • Principal and Interest
  • Taxes
  • Insurance
  • HOA fees

Here's an example so you can see exactly how DSCR is calculated. To keep things easy, we are assuming there is no principal payment, which you might expect with an interest only period. To learn more about how DSCR loans work, check out our detailed article.

How is DSCR calculated in Wichita Kansas?

About the Longleaf Lending Team

Longleaf Lending is a veteran-owned, direct lending firm with a deep focus on the real estate market. Established in Texas, we bring over two decades of combined experience in real estate, hard money lending, and investment banking.

Funding Experience

Since 2018, we have funded over 600 hard money loans, totaling more than $125 million in loan value.

Expert Leadership

Our leadership includes co-founders Pete Underwood and Matt Weidert, who bring extensive experience from real estate investment, investment banking, and military service.

Commitment to Innovation

We are committed to providing innovative real estate solutions, with a strong focus on integrity and professionalism as a member of the American Association of Private Lenders.

For more about our journey and the dedicated team behind Longleaf Lending, visit our full About Us page.

Explore other Kansas DSCR markets

Submit your Wichita Kansas loan request today

Start your DSCR Loan funding today

Ready to propel your Wichita Kansas rental project forward? Our simple loan request process is designed to get you the funding you need quickly and efficiently.

How the DSCR funding process works with Longleaf Lending

Submit our Online Form

Begin by filling out our short form. It's straightforward and only takes a minute. Provide us with some basic information about you and your project.

Get a Term Sheet in less than 24 Hours

After submitting your form, you'll receive a detailed term sheet from us within 24 hours. This term sheet will outline the terms of your loan and give you the confidence to proceed with your project.

Get Funded

Experience fast and straightforward funding. At Longleaf Lending, you'll work directly with our team throughout the entire process, from application to funding.

Applying does not affect your credit score

Apply for a Wichita Kansas DSCR Loan in 60 Seconds

Begin the funding process by completing our short online form.