Worcester Financial offers short-term real estate investment loans to borrowers seeking alternative financing. Worcester underwrites hundreds of Kansas City properties each year through our acquisitions department, so we have developed strong understanding of how to effectively value KC investment property. We make common sense loans that don’t fit the boxes of conventional bank and government-sponsored lenders. We respond right away to applications and can advance funds much quicker than conventional lenders. We typically lend up to 75% LTV (loan to value) and 65% ARV (after repair value. We look at collateral first. The more comfortable we are with the property and the property’s location, the more willing we are to push the LTV to the 75% range. We look at the borrower second. The stronger the borrower, the more willing we are to push the LTV to the 75% range.