On this page
- National lenders that lend in Missouri
- Advertised rates in Missouri, lowest first
- Fees and terms of lenders in Missouri
- Hard money lenders based in Missouri
- Other regional lenders that list Missouri
- Choosing a hard money lender in Missouri
- Transfer and mortgage taxes in Missouri
- Example: closing costs on a $300,000 flip in Missouri
- Foreclosure and loan documents in Missouri
- Missouri home prices
- Rental (DSCR) lenders that list Missouri
- Lenders that do not publish a state list
- Frequently asked questions
National lenders that lend in Missouri
| Lender | Fix-and-flip rate | Max leverage | Min credit score | Loan size | Time to close |
|---|---|---|---|---|---|
| Lima One Capital | As low as 7.75% | Up to 95% LTC, 75% of ARV, 100% of rehab | 660 | $100K to $5M | Within 3 weeks for repeat borrowers; Bridge Plus in as few as 7 days |
| Kiavi | As low as 8.25% | Up to 100% LTC / 80% ARV (an FAQ on the same page says up to 95% LTC) | Not stated | $100K to $5M | As few as 7 days |
| Easy Street Capital | Starting at 8.90% | Up to 93% LTC (90% of purchase, 100% of rehab), up to 75% of ARV | 600 | $75K to $5M+ | As little as 24 to 48 hours (its pages give both) |
| New Silver | 9% to 11% | Up to 90% LTC | Not stated | Up to $5M | Average 10 days to close |
| Sherman Bridge | As low as 9.99% | Not stated | Not stated | Not stated | Not stated |
| Express Capital Financing | 10% to 12% | Up to 90% of acquisition and 100% of renovation (its meta description says up to 75% of total project cost) | 600 | $150K to $10M | As little as 5 days |
| LendingOne | Not published | Up to 92.5% LTC, 100% of rehab | Not stated | $100K to $3M | As little as 5 days (its FAQ says 10 business days) |
| Upright | Not published | Up to 90% of purchase, 92.5% of total cost, 75% of ARV; 100% of rehab | Not stated | $125K to $3.5M (1 to 20 units) | As few as 7 days |
| Ternus | Not published (priced by experience, credit and leverage) | Up to 90% of purchase (100% on Elite), 100% of renovation, capped at 70% of ARV (75% on Elite) | 660 for loans above $500K | $50K to $1M | Not stated |
| Griffin Funding | Not published | Not stated | Not stated | From $100K | Often 7 to 10 days |
Rates are each lender's advertised starting rate for fix-and-flip loans, read from its own website on October 22, 2026. Click a lender for its full terms.
Advertised rates in Missouri, lowest first
Bars show each lender's advertised starting rate and the interest-only monthly payment it implies on a $250,000 loan (loan x rate / 12). Your quote depends on experience, credit and the property.
Fees and terms of lenders in Missouri
| Lender | Points and fees | Term | Prepayment penalty |
|---|---|---|---|
| Lima One Capital | Origination can be deferred to when you exit (amount not stated) | 13, 19 or 24 months | Not stated on its fix-and-flip page |
| Kiavi | Not stated (no application fee) | 12, 18 or 24 months | Not stated |
| Easy Street Capital | 0 to 2 points plus a $1,995 document fee | 6 to 18 months | Not stated |
| New Silver | 1% to 1.75% origination | Not stated for this program | Not stated |
| Sherman Bridge | Not stated | Not stated | Not stated |
| Express Capital Financing | Not stated | 12 months | No prepayment penalty |
| LendingOne | 1 point or $2,000 (whichever is greater) plus $1,395 processing and legal | 12 months | No prepayment penalty |
| Upright | Not stated | 6 to 24 months | No prepayment penalty |
| Ternus | Not stated | 12 months | No prepayment penalty |
| Griffin Funding | Not stated | Typically 12 to 24 months | Not stated |
From each lender's own pages, October 22, 2026. Payments, draws and state lists are in each full lender profile.
Hard money lenders based in Missouri
Minnow Loan
Columbia, MO. Phone: 573-279-4355.
- Loans: Fix and flip, bridge, commercial, rental
- Loan size: $30K to $2M (fix and flip, bridge); $30K to $5M (commercial)
- Rates: 10.99% to 13.99%; 2 to 3 points plus a $1,500 document fee; fix and flip up to 85% of purchase, 100% of rehab, 70% of ARV; 6 to 18 months
- Where: Missouri
North Oak Investment
Kansas City, MO. Phone: (816) 249-1001.
- Loans: Fix and flip, fix and flip to hold
- Loan size: Not stated
- Rates: Not published
- Where: Kansas City
Other regional lenders that list Missouri
| Lender | Based in | Loans | Loan size | Rates |
|---|---|---|---|---|
| Ridge Street Capital | Miami, FL | Fix and flip, DSCR rental, construction, short-term rental | $50K to $3M (fix and flip) | Fix and flip 10.5% to 11.75%; DSCR 6.0% to 7.99%; construction 10.99% to 12.25%; origination from 1.5% |
| Tidal Loans | Houston, TX | Fix and flip, new construction, bridge, DSCR rental, transactional funding, multifamily, commercial | Not stated | Not published; up to 90% of purchase and 100% of rehab |
| Longhorn Investments | Dallas, TX | Short-term acquisition and renovation loans, new construction | Not stated | Not published |
Each lists Missouri among the states it serves on its own website.
Choosing a hard money lender in Missouri
- Credit below 650: Easy Street Capital, Express Capital Financing publish a 600 minimum credit score and lend in Missouri.
- Smaller loans: Easy Street Capital (from $75K), Ternus (from $50K).
- Speed: Easy Street Capital, Express Capital Financing, LendingOne advertise closings in 5 days or less.
- Local lenders that publish pricing: Minnow Loan, 10.99% to 13.99%; 2 to 3 points plus a $1,500 document fee; fix and flip up to 85% of purchase, 100% of rehab, 70% of ARV; 6 to 18 months.
Transfer and mortgage taxes in Missouri
Missouri's constitution (Article X, Section 25, effective December 2, 2010) prevents the state, counties and other political subdivisions from imposing any new tax on the sale or transfer of homes or other real estate.
That leaves lender fees and third-party costs (title, recording, appraisal, insurance) as the main closing costs on a Missouri purchase, which the example below adds up.
Example: closing costs on a $300,000 flip in Missouri
| Line | How it is worked out | Amount |
|---|---|---|
| LendingOne origination | 1 point or $2,000, whichever is greater: 1% x $255,000 = $2,550 | $2,550 |
| LendingOne processing and legal | Flat fee it publishes | $1,395 |
| State transfer and mortgage taxes | Missouri Constitution, Art. X, Sec. 25 (see above); no state tax line added | $0 |
| Lender fees and taxes at closing | Sum of the lines above | $3,945 |
| Down payment | $300,000 price - $255,000 loan | $45,000 |
| Cash to close before third-party costs | $3,945 + $45,000 | $48,945 |
Example at list prices: a $300,000 purchase with a $255,000 loan (85% of the price), using LendingOne's published fees (it lends in Missouri) and the state taxes above. Title insurance, appraisal, recording fees, insurance, rehab holdbacks and interest are not included, and your lender's quote can differ.
Foreclosure and loan documents in Missouri
The standard Fannie Mae and Freddie Mac security instrument for Missouri is a deed of trust (Form 3026), per Freddie Mac's uniform instruments list. Private lenders write their own documents, so check which instrument your loan uses.
Why it matters: the security instrument and the foreclosure route decide what happens if a project goes wrong and the loan is not repaid. This is general information, not legal advice.
Missouri home prices
Missouri's purchase-only house price index rose 3.7% over the year to 2026 Q2, above the U.S. figure of 2.1%, and is up 38.3% over five years (U.S.: 33.4%). Past gains do not guarantee future prices, so base your after-repair value on recent comparable sales. Source: FHFA House Price Index (state purchase-only data, not seasonally adjusted; changes computed from index levels).
Missouri metros: FHFA price changes
| Metro (FHFA purchase-only index) | 1 yr to 2026 Q2 | 5 yrs |
|---|---|---|
| St. Louis, MO-IL | +4.1% | +35.5% |
| Kansas City, MO-KS | +2.8% | +34.9% |
Of the 2 Missouri metros in FHFA's purchase-only index of the 100 largest metros, St. Louis, MO-IL rose most over the year (+4.1%) and Kansas City, MO-KS least (+2.8%), against +3.7% for Missouri as a whole. Metros that cross state lines are listed under each state they include. Source: FHFA purchase-only metro index (not seasonally adjusted), changes computed from index levels for 2026 Q2 vs the same quarter one and five years earlier.
| Other metro (FHFA all-transactions index) | 1 yr to 2026 Q2 | 5 yrs |
|---|---|---|
| Springfield, MO | +4% | +47.8% |
| Columbia, MO | +3.3% | +46% |
These metros are not in the purchase-only list, so the figures come from FHFA's all-transactions metro index, which also counts appraisals from refinances and is not directly comparable with the purchase-only figures.
Rental (DSCR) lenders that list Missouri
For a property you plan to keep and rent, these lenders offer 30-year DSCR loans and list Missouri. See DSCR loans compared or run the DSCR calculator.
| Lender | Starting rate | Min DSCR | Min credit | Why it is listed |
|---|---|---|---|---|
| Easy Street Capital | From 5.75% (its FAQ dates this to September 2025) | No minimum | 640 | Its DSCR state list |
| Griffin Funding | From 5.99% (1-year ARM); 30-year fixed from 7.125% (October 2026) | No minimum; no-ratio program | 620 | Says it originates DSCR loans in all 50 states and DC |
| Upright | From 5.99% (as of August 2026) | 0.90x (1.15x for short-term rentals) | 660 | Its hard money state list; confirm for DSCR |
| New Silver | From 6% | 0.75 | 660 | Its state list, which marks rental-only states |
| Kiavi (loans made by Figure Lending) | As low as 6.25% | 0.8x | Not stated | Kiavi's state list; rental loans are made by Figure Lending |
| Express Capital Financing | From 6.25% | 1.0x (also lists a no-DSCR option) | 650 | Its DSCR state list |
| Lima One Capital | As low as 6.5% | 1.0 | 660 | Its DSCR state list |
| LendingOne | Not published | As low as 0.75 | Not stated | Its DSCR state list |
Lenders that do not publish a state list
Groundfloor, RCN Capital, CoreVest do not publish which states they lend in. Ask them directly about Missouri.
New to these loans? Read the fix-and-flip loan guide, rates and requirements, or compare all national lenders.
Frequently asked questions
Who are the hard money lenders in Missouri?
10 of the 13 national hard money lenders we compared say on their websites that they lend in Missouri. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 2 lenders based in Missouri.
What do hard money loans cost in Missouri?
Among national lenders that lend in Missouri, the lowest advertised starting rates are Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). Points and fees come on top, and starting rates go to the most experienced borrowers with strong credit. Check each lender's terms.
Does Missouri use a mortgage or a deed of trust?
The standard Fannie Mae and Freddie Mac security instrument for Missouri is a deed of trust (Form 3026). Private hard money lenders draft their own documents, so confirm what your loan uses.
Does Missouri have a real estate transfer tax?
Missouri's constitution (Article X, Section 25, effective December 2, 2010) prevents the state, counties and other political subdivisions from imposing any new tax on the sale or transfer of homes or other real estate.
Can I get a hard money loan in Missouri with a 600 credit score?
Easy Street Capital, Express Capital Financing publish a 600 minimum credit score and list Missouri. Expect higher pricing and lower leverage than borrowers with stronger credit.
How fast can a hard money loan close in Missouri?
Published closing times from lenders that cover Missouri: Lima One Capital: within 3 weeks for repeat borrowers; Bridge Plus in as few as 7 days; Kiavi: as few as 7 days; Easy Street Capital: as little as 24 to 48 hours (its pages give both); New Silver: average 10 days to close; Express Capital Financing: as little as 5 days.
Do hard money loans in Missouri have prepayment penalties?
Lima One Capital, Kiavi, Easy Street Capital, New Silver, Sherman Bridge, Express Capital Financing, LendingOne, Upright, Ternus, Griffin Funding say their fix-and-flip loans have no prepayment penalty, and all lend in Missouri. Others do not state a policy on their fix-and-flip pages, so ask before you sign.
Can I get a DSCR loan in Missouri?
Yes. 8 of the rental lenders we checked list Missouri, including Easy Street Capital, Griffin Funding, Upright. Advertised starting rates and minimum DSCRs are in the table above.