Missouri Hard Money · Fix & Flip · BRRRR · Rental & Bridge Loans
Fund your next Missouri flip or BRRRR with up to 95% LTC plus 100% of rehab — from Kansas City and St. Louis to Springfield and the affordable Show-Me State corridors.
Direct lender since 1998 · NMLS #1826020 · LLC & foreign nationals OK · Missouri investment-property specialists
| Purchase leverage | Up to 95% LTC |
| Rehab funding | 100% of rehab costs, reimbursed by draw as work is completed |
| Max ARV | Up to ~70-75% of after-repair value (ARV) |
| Credit | FICO from 620 |
| Property types | 1-4 family, 5+ multifamily, mixed-use, vacation / short-term rentals, and commercial |
| Term | 6-24 months interest-only · extension options |
| Rate & points | Interest-only, starting interest from 8.90% (subject to change, deal-dependent) · 1-3 points |
| Income docs | None — asset-based; business-purpose only |
| Borrower | No maximum number of properties · first-time investors, foreign nationals & LLCs welcome |
| Exit | Sale, or easy refinance into a 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required |
| Area | Statewide across all 114 Missouri counties |
A Missouri fix and flip loan funds the purchase and renovation of an investment property on the asset, not your income. Kansas City’s growth and St. Louis’s deep brick-home stock, paired with low bases and strong rents, make Missouri one of the best cash-flow and BRRRR markets in the Midwest.
This is our statewide Missouri hub. For city-level programs, neighborhood comps, and local deal examples, visit the Missouri city pages linked below.
In Missouri we fund far more than houses — the program covers the full business-purpose spectrum:
Single-family, townhomes, condos, and 2-4 unit — the core of most Missouri flips.
Value-add apartment buildings repositioned for sale or a DSCR refinance.
Retail or office over residential and live-work buildings.
Renovate-to-STR in Missouri tourist markets, then keep or sell.
Select commercial and small mixed-asset deals, case-by-case.
Warrantable and many non-warrantable attached product.
Model a Missouri deal: enter purchase, rehab, and ARV to see your loan, cash to start, carrying cost, and projected profit. We fund up to 95% LTC plus 100% of rehab, capped near 70-75% of ARV. Illustrative only.
Illustrative only; not a commitment to lend. Rates, points, and leverage are deal-dependent and subject to change. ARV confirmed by appraisal.
Planning to Buy, Rehab, Rent, Refinance, Repeat? When the rehab is done and the property is rented, refinance with an easy 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required (we qualify the property’s rent, not you). A 40-year amortization lowers the payment and boosts cash flow and DSCR.
Illustrative only. DSCR = net operating income ÷ annual debt service. Final terms use an appraisal and underwriting.
Missouri is a strong BRRRR market thanks to St. Louis brick homes and KC affordability. Fund the buy and 100% of rehab, rent it, then refinance into a 30- or 40-year DSCR loan and recycle capital.
Your Missouri exit is built in. When the renovation is complete and the unit is leased, refinance into an easy 30- or 40-year amortized DSCR loan requiring no additional income docs, tax returns, or W2s. The loan is qualified on the rent the property produces — not your personal income — so strong rentals close cleanly no matter your tax situation.
Every Missouri metro has pockets where flips and rentals pencil. These are the corridors Missouri investors target most for value-add and reposition-to-rent (always confirm current comps):
The East Side, Ruskin Heights and Northeast for value-add and BRRRR.
Dutchtown, Bevo Mill, the North Side and Baden brick-home reposition.
Affordable southwest-Missouri cash flow.
Eastern KC-metro workforce housing.
University-anchored student-rental demand.
Ultra-low-basis reposition-to-rent.
Missouri’s tourism corridors reward renovate-to-short-term-rental plays (verify local STR rules):
Beyond the established metros, these Missouri markets are drawing investor attention for affordability, growth, and room to force value:
Value-add frontier at low bases.
Brick-home reposition upside.
Fast-growing southwest affordability.
Eastern-KC workforce demand.
Mizzou student rentals.
Ultra-affordable cash flow.
Representative 2026 indicators for underwriting context — confirm current figures per deal:
| Feature | CambridgeHomeLoan | Typical Missouri flip lenders |
|---|---|---|
| Purchase leverage | Up to 95% LTC | 80-90% |
| Rehab funding | 100% of rehab | Often 90-100%, capped |
| Rates from | 8.90% (STC), 1-3 points | ~10-12%+, 2-4 points |
| Min FICO | From 620 | Often 660-680+ |
| Property types | 1-4, 5+ MF, mixed-use, STR, commercial | Often 1-4 only |
| Exit support | In-house 30/40-yr DSCR refi | Flip-only |
| Funding speed | As fast as 5-10 days | 2-3+ weeks |
“Typical” reflects terms commonly advertised across the fix and flip market as of 2026, subject to change — general ranges, not the terms of any single lender.
Up to 95% LTC + 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs, tax returns, or W2s. First-time investors and foreign nationals welcome — no maximum number of properties.
Apply Now — Get Your Term Sheet → Call (800) 826-5077| Down / equity | As little as 5% of purchase at up to 95% LTC |
| Rehab | 100% financed, reimbursed by inspected draws |
| Credit | FICO from 620 |
| Experience | First-time and experienced investors welcome |
| Income docs | None — asset-based, business-purpose only |
| Borrower | No maximum number of properties · LLC, first-time investors & foreign nationals OK |
| Exit | Sale, or easy 30- or 40-year DSCR refinance — no income docs, tax returns, or W2s |
A fix and flip loan is one tool — pair it with the right acquisition or exit program:
Fast asset-based capital for any Missouri investment purchase.
Bridge the gap between buying and your sale or refinance.
The full buy-rehab-rent-refinance-repeat program.
30- or 40-year rental refinance to complete your BRRRR exit.
5+ unit value-add and reposition financing.
Ground-up investor construction across Missouri.
Explore city-level programs, neighborhoods, and local deal examples:
As little as 5% of the purchase price. We fund up to 95% of purchase and 100% of rehab, as long as the total stays within roughly 70-75% of the after-repair value (ARV).
Yes. Rehab is funded in full and reimbursed through inspected draws as the work is completed.
FICO from 620. Stronger credit and flip experience can improve your rate, leverage, and points.
Yes — low bases in Kansas City and St. Louis let you fund the buy and 100% of rehab, then refinance the rental into a 30- or 40-year DSCR loan and repeat.
Kansas City, St. Louis, Springfield, Columbia, Independence and every county statewide.
Yes. When the rehab is done and the property is rented, do an easy refinance into a 30- or 40-year amortized DSCR loan with no additional income docs, tax returns, or W2s required, then repeat. The loan qualifies on the property’s rent, not your personal income.
With a clean title and an appraisal ordered, many Missouri fix and flip loans close in as few as 5-10 days.
Whether it’s your first flip or your fiftieth, get a fast, no-obligation quote. Fill out the 60-second form for a same-day term sheet — up to 95% LTC plus 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs. No maximum number of properties, so scale as fast as your deals close.
CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK. Business-purpose investment loans only. Rates, points, leverage, and terms are deal-dependent and subject to change.
Fix and flip loans are business-purpose, asset-based loans for real estate investment and are not offered for owner-occupied residences. Leverage (up to 95% of purchase and 100% of rehab) is subject to a maximum loan-to-ARV, appraisal, credit (FICO from 620), and underwriting. Calculators are illustrative only and not a commitment to lend.
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