What are the opening hours?

Monday 8:30am - 4:30pm Tuesday 8:30am - 4:30pm Wednesday 8:30am - 4:30pm Thursday 8:30am - 4:30pm Friday 8:30am - 4:30pm

Cap One Lending

Cap One Lending offers Residential Mortgages, Rental Loans and Private Lending! Our Mission is to give our customers the best lending experience ever!

Welcome to Cap One Lending and thank you for taking the time to learn more about our company. We are a direct lender that specializes in residential mortgage lending and hard money loans. Cap One Lending will educate you on the process every step of the way, so you know what to expect and when to expect it. Rest assure you will be given the best loan options with the lowest rates available. You wi

ll be confident that you have made the right decision and are choosing the right company.. Cap One is Veteran owned and operated and we work side by side with our team every day to ensure that we are exceeding your highest expectations. We have been in the mortgage industry since the early 2000’s and have decades of experience. We pride ourselves on being more than just a mortgage company by going the extra mile for you today and every day forward. Our personal connection with you and building a long-lasting relationship is what we value most in our business and is why we do what we do. Cap One Lending is a DBA of Cap One Lending, LLC NMLS #2468614

09/02/2026

🚨CAP ONE LENDING DSCR INVESTOR LOAN — NO MINIMUM CREDIT SCORE🚨
Bad credit? Recent bankruptcy? Property not meeting traditional DSCR requirements?
If you have strong equity in an investment property, we may have a solution.
🏠 DSCR EQUITY-BASED FINANCING
✅ No Minimum FICO Required
✅ No Minimum DSCR Ratio
✅ No Reserves Required
✅ Unlimited Cash-Out
✅ Up to 55% LTV/CLTV
✅ Loan Amounts from $125K–$1.5MM
✅ First-Time Investors Eligible
✅ First-Time Homebuyers Eligible
✅ Bankruptcy as Recent as 1 Day May Be Eligible
✅ No Primary Housing History Required — Rent-Free OK
✅ Collections & Charge-Offs Do NOT Require Payoff
✅ Up to 8-Unit Properties Eligible
✅ 30-Year Fixed Rate
✅ Investment / Business-Purpose Loans Only
💰 Minimum $150,000 remaining equity required after the new loan.
This program is designed for real estate investors who have EQUITY, but don't fit inside the traditional lending box.
👉 Low FICO? No FICO? Recent credit event? Weak DSCR?
Don't assume you can't qualify.
📲 Contact Cap One Lending today and let us review your scenario.
🇺🇸 Veteran-Owned & Operated
⭐ Over 500 Five-Star Reviews
Cap One Lending, LLC
📞 816-905-1111
🌐 WWW.CAPONELENDING.COM
NMLS #2468614
Program terms, eligibility and approval are subject to underwriting guidelines. Additional restrictions may apply. Not all borrowers or properties will qualify.

09/01/2026

⭐⭐⭐⭐⭐ Another 5-Star Experience with Cap One Lending!
Unexpected challenges can arise during the loan process, but having a dedicated loan officer who communicates clearly and works through every issue can make all the difference. Riley stayed on top of the title work, kept her client informed, and remained committed to getting the deal across the finish line.
“I had a great experience working with Riley as my loan officer. Even when unexpected title issues came up, she stayed on top of everything and kept me informed. Riley worked through every challenge and remained committed to getting the deal closed. I truly appreciated her persistence, professionalism, and communication. I would highly recommend Riley to anyone looking for a reliable loan officer.”
👏 Thank you for trusting Riley and the Cap One Lending team with your home-financing journey! We’re proud to have helped navigate every challenge and keep the process moving toward a successful closing.
Whether you’re purchasing your first home, moving into your next one, or exploring refinancing options, our experienced team is here to provide personalized guidance and dependable support from application to closing.
Cap One Lending, LLC
🌐 www.caponelending.com
📞 (816) 905-1111
🏦 NMLS #2468614
Equal Housing Lender

08/31/2026

🏡 Missouri Senior Property Tax Relief: What Homeowners 62+ Should Know
Missouri homeowners age 62 and older may be eligible for a local property tax credit designed to help protect qualifying seniors from future increases in property taxes on their primary residence.
Under Missouri’s senior property tax relief program, participating counties may provide eligible homeowners with a credit for certain increases above their initial-year property taxes. While eligibility requirements and application deadlines can vary by county, homeowners may generally qualify if they:
✅ Are 62 years of age or older
✅ Own and live in the home as their primary residence
✅ Are responsible for paying the property taxes
✅ Meet any additional requirements established by their county
Because the program is administered locally, homeowners should check with their county assessor or collector to determine availability, eligibility requirements, and application deadlines.
At Cap One Lending, we know that understanding the costs of homeownership is important at every stage of life. If you have questions about purchasing, refinancing, or other home-financing options, our team is here to help.
📍 Cap One Lending, LLC
📞 Call or Text: 816-905-1111
🌐 CapOneLending.com
NMLS #2468614
Informational only. Not tax or legal advice. Eligibility and program details vary by county.

08/27/2026

🏠 A strong real estate investment has to work beyond the purchase price.
Before buying a property, experienced investors look at the complete picture—not just whether the asking price appears attractive. Understanding the property’s income potential, expenses, risks, and long-term possibilities can help investors make more informed decisions.
Here are six important factors to consider:
✅ Cash Flow – Compare the expected monthly rent with the loan payment, taxes, insurance, maintenance, property management, and other operating expenses.
✅ Return Potential – Review the cap rate, projected cash-on-cash return, and potential for long-term appreciation.
✅ Location & Demand – Consider nearby jobs, schools, amenities, neighborhood growth, rental rates, and overall tenant demand.
✅ Property Condition – Account for current repairs, future maintenance, renovation costs, and unexpected expenses that could affect the investment.
✅ Vacancy & Tenant Risk – Estimate possible downtime between tenants, tenant quality, leasing costs, and management responsibilities.
✅ Exit Strategy – Know whether your long-term plan is to hold, refinance, renovate, reposition, or sell the property as the market changes.
Carefully evaluating these factors can help investors identify stronger opportunities, prepare for potential challenges, and select financing that supports their overall investment strategy.
Found a property with potential? Cap One Lending offers flexible financing solutions for rental properties, fix-and-flips, bridge loans, and other real estate investments. Our experienced team can help you explore the financing options that best fit your property and goals.
📞 Call or Text: (816) 905-1111
🌐 www.CapOneLending.com
Cap One Lending, LLC | NMLS #2468614
Business-purpose loans only. Program availability, eligibility, and terms vary.

08/25/2026

⭐⭐⭐⭐⭐ Another 5-Star Experience with Cap One Lending!
A great lending relationship can begin with one conversation. After learning about Rick Langley and Cap One Lending’s loan programs, Gayla referred her buyer to Rick—and was impressed by the knowledge, communication, and dependable service he provided throughout the VA loan process.
“My buyer was approved for a VA loan within four days, and we were ready to close within three weeks. Rick communicated clearly throughout the entire process. I was so impressed that I have referred other agents and buyers to him—and even trusted him with my own loan. It was a fantastic experience!”
👏 Thank you, Gayla, for trusting Rick and the Cap One Lending team with your clients, referrals, and personal home-financing needs! We’re grateful for your support and proud to have earned your confidence.
Whether you’re purchasing a home, refinancing, or helping a client navigate the mortgage process, our experienced team is here to provide knowledgeable guidance, clear communication, and dependable service from application to closing.
Cap One Lending, LLC
🌐 www.caponelending.com
📞 (816) 905-1111
🏦 NMLS #2468614
Equal Housing Lender

08/24/2026

VA IRRRL Explained: A Simpler Way to Refinance Your Existing VA Loan
If you already have a VA-backed home loan, an Interest Rate Reduction Refinance Loan—commonly called a VA Streamline Refinance—may help you replace your current mortgage with a new VA loan offering more favorable or predictable terms.
A VA IRRRL may allow eligible borrowers to:
✅ Reduce their interest rate and monthly principal-and-interest payment
✅ Move from an adjustable-rate mortgage to a fixed-rate loan
✅ Complete the refinance with streamlined documentation
✅ Avoid a new appraisal in many qualifying situations
✅ Finance eligible closing costs into the new loan rather than paying everything upfront
To qualify, you must be refinancing an existing VA-backed loan and certify that you currently live in—or previously lived in—the property. Because closing costs and a VA funding fee may apply, it is important to compare the total cost of refinancing with the potential monthly and long-term savings.
Your VA loan should continue working for you. Let the experienced team at Cap One Lending review your current mortgage and help determine whether a VA IRRRL makes financial sense for your situation.
📞 Call or Text: (816) 905-1111
🌐 www.CapOneLending.com
Cap One Lending, LLC | NMLS #2468614
Equal Housing Lender
Existing VA-backed loan required. Program eligibility, appraisal requirements, rates, costs, terms, and savings vary. Refinancing may increase the total finance charges paid over the life of the loan.

08/20/2026

🏙️ 5 KANSAS CITY AREAS REAL ESTATE INVESTORS ARE WATCHING
Kansas City continues to attract real estate investors with its wide range of neighborhoods, property types, price points, and potential investment strategies. Whether your goal is generating rental income, renovating a value-add property, or building a long-term portfolio, selecting the right location is an important part of the process.
Here are five Kansas City areas investors may want to explore:
✅ Independence – Accessible entry points and established rental demand may make this area worth considering for investors focused on affordability and long-term rentals.
✅ Raytown – Its mix of older homes and rental properties may provide opportunities for cash flow, renovations, and value-add investment strategies.
✅ Northland – Continued development, expanding communities, and a broad renter base may offer potential for investors seeking long-term growth.
✅ Lee’s Summit – Strong suburban appeal and family-oriented neighborhoods may support stable, long-term rental strategies.
✅ Overland Park – An established tenant base, desirable amenities, and consistent suburban demand may appeal to investors prioritizing long-term stability.
Every market offers different opportunities, and the right property depends on your goals, budget, timeline, and overall investment strategy. Researching the neighborhood, reviewing projected expenses, and selecting the right financing can help you approach your next investment with greater confidence.
Found the right property? Cap One Lending can help you build a financing plan designed around your investment strategy.
📞 CALL OR TEXT: 816-905-1111
🌐 WWW.CAPONELENDING.COM
Cap One Lending, LLC
NMLS #2468614
Equal Housing Lender
*Business-purpose loans only. Market conditions vary by neighborhood and property. This is not investment advice. Program terms, eligibility, and availability vary. Not a commitment to lend.

08/19/2026

⚠️ Missouri wholesalers: August 28 changes everything.

A new Missouri law (Section 407.3600) takes effect on August 28, 2026, and it changes how you put 1-4 unit residential properties under contract.

Here's the new timeline:

📄 DAY 0 — Provide the seller with a separate written wholesaler disclosure. Both parties must sign and date it.

⏳ DAYS 1-13 — Wait. There is no contract and no lock on the property during this period.

✍️ DAY 14 — The earliest day you can legally sign a binding purchase agreement.

🏠 AFTER — Assign the contract, close the deal, and get paid.

Important reminders:

❌ The 14-day period runs BEFORE the contract, not after.

❌ Weekends and holidays count.

❌ If you skip the disclosure, the seller can cancel before closing, keep your earnest money, and you could face liability under Missouri's Merchandising Practices Act.

✅ The good news?

• Wholesaling is still legal in Missouri.
• No real estate license is required.
• There is still no cap on assignment fees.

This is a disclosure and timing law, not a ban.

This post is intended as general information for Missouri real estate investors and is not legal advice. Have a Missouri attorney review your forms and acquisition process before August 28.

🏢 Cap One Lending, LLC
📞 (816) 905-1111
🌐 WWW.CAPONELENDING.COM
📍 4041 NE Lakewood Way, Suite 130, Lee's Summit, MO 64064
🆔 NMLS #2468614
🇺🇸 Veteran Owned & Operated

08/18/2026

⭐⭐⭐⭐⭐ Another 5-Star Experience with Cap One Lending!
Purchasing a home can feel overwhelming when you’re unfamiliar with the process, but having the right lending team can make all the difference. Marty helped guide Nick through each step with prompt communication, honest answers, and friendly service.
“We started this process knowing very little about purchasing a home, but Cap One Lending guided us every step of the way. Marty was prompt, honest, and friendly, answering all our questions quickly and accurately. If you’re looking for a trustworthy, family-owned lender to help you get the keys to your next home, look no further!”
👏 Thank you, Nick, for trusting Marty and the Cap One Lending team with your home-financing journey! We’re proud to have helped make the process clearer and more comfortable from beginning to end.
Whether you’re purchasing your first home, moving into your next one, or exploring refinancing options, our experienced team is here to provide personalized guidance and dependable support from application to closing.
Cap One Lending, LLC
🌐 www.caponelending.com
📞 (816) 905-1111
🏦 NMLS #2468614
Equal Housing Lender

08/17/2026

🏡 Short-Term Rental DSCR Loans: Financing Built for Vacation Rental Investors
Investing in a short-term rental can create new opportunities for income and portfolio growth—but finding financing designed around the property’s potential is an important part of the process.
With a Short-Term Rental DSCR Loan, eligible real estate investors may qualify using the property’s projected short-term rental income rather than relying solely on traditional personal-income documentation.
Program options may include:
✅ Projected short-term rental income may be considered
✅ Purchase financing for eligible vacation rental properties
✅ Rate-and-term refinance and cash-out refinance options
✅ Qualification based primarily on the property’s cash-flow potential
✅ Investor-focused financing designed to help expand rental portfolios
Whether you’re purchasing your first vacation rental, refinancing an existing property, or accessing equity for your next investment, Cap One Lending can help you explore financing options that fit your strategy.
Ready to grow your short-term rental portfolio? Contact our team today.
📞 CALL OR TEXT: 816-905-1111
🌐 WWW.CAPONELENDING.COM
Cap One Lending, LLC
NMLS #2468614
Equal Housing Lender
*Business-purpose loans only. Program terms, eligibility, and availability vary. Not a commitment to lend.

Address

4041 NE Lakewood Way, Suite 130
Lees Summit, MO
64064

Opening Hours

Monday	8:30am - 4:30pm
Tuesday	8:30am - 4:30pm
Wednesday	8:30am - 4:30pm
Thursday	8:30am - 4:30pm
Friday	8:30am - 4:30pm

Website

https://www.caponelending.com/

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