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North Oak Investment

Kansas City, KS·Founded 1972·2 states
North Oak Investment is a leading local private lender specializing in fast, reliable fix-and-flip bridge loans and short-term bridge financing for residential real estate investors in the Kansas City metro.
North Oak Investment describing itself

Loan programs

Fix & Flip

$30K – $1M
Term
6 mo – 12 mo
Rate
12% – 13.5%
Amortization
Interest-Only
Maximum leverage
Max LTV 80%Max LTC 100%Max ARV 75%Max LTP 100%
Eligible property types
Single-Family (SFR) · 2–4 Unit Residential
Also offers— no published terms

Terms & qualification

Typical loan size
$30K – $1M
Typical term
6 mo – 12 mo
Interest rate
12% – 13.5%
Origination / points
2.25% to 3.00%
Minimum FICO
600
Prepayment structure
Minimum interest
Income documentation
No W-2s or Tax Returns Required. Asset-based underwriting focused on the deal structure and property value.
Borrower entity
Individuals, LLCs, and Corporations accepted. Unlike many hard money lenders, North Oak will lend to individuals - not just business entities.
Experience required
All Tiers Accepted. First-time investors welcome - max 75% LTARV . Experienced repeat borrowers unlock higher leverage up to 80% LTARV and improved terms over time.

Property types

Lending footprint