MoFin Lending for Kansas investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Kansas context
Kansas strong cash flow.
How MoFin Lending positions in Kansas
For Kansas specifically, MoFin Lending fits investors who match the hard money approach. The high cash flow profile of Kansas aggregate makes it a target market for MoFin Lending.
City-level coverage in Kansas
MoFin Lending provides DSCR coverage across Kansas metros including Wichita, Kansas City KS, and Topeka. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending program terms apply uniformly across Kansas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Kansas property tax | 1.5% |
| Kansas state income tax | 5.7% |
MoFin Lending strengths in Kansas
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Kansas. MoFin Lending is based in an undisclosed location and operates nationally.
Wichita is the top investor market in Kansas and falls within MoFin Lending national coverage. Wichita property tax follows the Kansas state rate of 1.5 percent. MoFin Lending typically underwrites Wichita acquisitions at standard rate sheets.
Yes. Kansas City KS ranks among the larger Kansas investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Kansas City KS matters for property selection.
MoFin Lending applies the same rate sheet across Kansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wichita, Kansas City KS, and Topeka all qualify for the same MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Kansas strong cash flow. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Kansas.
Kansas allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
Kansas investors considering MoFin Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.