Hard Money Lenders FLORIDA
Hard Money Lenders Missouri
- Rate 10.99%
- 12 Months
- Points 2.99%
- 16 Days to Close
Why We’re The Best Hard Money Lender In Missouri
We pride ourselves on being one of the best hard money lenders in Missouri for Fix and Flips, GUC, Rentals, and Multifamily investments.
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Competitive Terms
We provide competitive Terms on Missouri investment property loans.
Missouri Fix and Flip Loan Rates range from 10.5%-11.25% and a 1.5%-2.99% Origination Fee. DSCR Loan Rates range from 6.5% to 7.99% and 1.0% Origination Fee.
See our Loan Products Section for a detailed pricing breakdown of each Missouri loan product.
Simple Online Application
Real Estate investors can apply online, get pre-approved, or schedule a call in 2 minutes. Working with Ridge Street is simple and fast.
Start your simple online application today. Learn More
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Quick Turn Around
Our team is always available to take your call. If you submit a Quick Application or a Pre-Approval Application we’ll get back to you within 1 business hour. We can fund your project in 7-10 days.
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Reliable Financing
Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.”
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Missouri Hard Money Loan Products
Missouri Fix and Flip Loan
Funding For Purchase + Rehab
$50,000 up to $3,000,000
Interest Rate 10.5%-11.25%
Origination Fee From 1.5%
Up to 90% of Purchase and 100% of Rehab
Fix and Flip Loans For Beginners Allowed
Missouri DSCR Loan
30 Year DSCR Loans For Rental Properties
Ground Up Construction
For New Builds and Construction Completion
Up to $3,000,000
Interest Rate 10.99%-12.25%
Origination Fee From 2.0%
Up to 75% of Purchase and 100% of Construction
Up to 90% of LTC
Missouri Hard Money Loan process
Our hard money lending process for Missouri investment properties is simple and quick. Ridge Street closes loans in as little as 7 days.
Apply Or Get Pre-Approved Online
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Receive your Term Sheet
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Submit Docs
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Appraisal or BPO
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Closing
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What are Hard Money Loans used for in Missouri?
1. Kansas City
2. St. Louis
What are Hard Money Loans Used For In Missouri?
Real Estate Investors in Missouri use hard money loans to purchase, rehab, and construct investment properties.
A hard money loan is an “asset-based” loan in which the loan amount is based on the as-is value and after repair value of a property as well as the credit scores of the borrowing company’s owners.
Hard money loans allow Missouri real estate investors to secure financing for fix and flips, ground-up construction, and rental properties through an LLC or a Corp without using their personal income.
For most hard money loans, investors will have to bring a 10%-20% down payment and can use the hard money loan to finance the remainder of their project.
As Missouri real estate investors acquire more experience, hard money lenders like Ridge Street will increase their leverage and require less cash at the closing table.
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Real Estate Investors in Missouri use hard money loans to purchase, rehab, and construct investment properties.
A hard money loan is an “asset-based” loan in which the loan amount is based on the as-is value and after repair value of a property as well as the credit scores of the borrowing company’s owners.
Hard money loans allow Missouri real estate investors to secure financing for fix and flips, ground-up construction, and rental properties through an LLC or a Corp without using their personal income.
For most hard money loans, investors will have to bring a 10%-20% down payment and can use the hard money loan to finance the remainder of their project.
As Missouri real estate investors acquire more experience, hard money lenders like Ridge Street will increase their leverage and require less cash at the closing table.
Best Cities To Invest In Real Estate
In Missouri
Kansas City, MO
Kansas City’s fix and flip market offers attractive opportunities thanks to its relatively low property prices and steady demand for updated homes. Neighborhoods like Waldo, Brookside, and Westport are popular targets for investors due to their mix of older homes and growing buyer interest. Kansas City’s strong rental market also makes it a solid choice for the BRRRR strategy. Investors can often find undervalued properties in need of cosmetic updates or modern amenities, then refinance after stabilizing the property with reliable tenants. Focusing on upgrades that enhance kitchens, bathrooms, and curb appeal tends to yield the best returns. With a stable economy and consistent population growth, Kansas City provides solid potential for both short-term flips and long-term rental investments.
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St. Louis, Mo
St. Louis offers promising opportunities for fix and flip investors, but careful market selection is crucial. While some areas present risk due to higher crime rates, focusing on safer, high-demand suburbs can lead to more reliable returns. Suburbs like Kirkwood, Webster Groves, and Chesterfield are popular with families and offer strong resale potential. These areas tend to have stable property values and consistent buyer demand. Investors can find success by targeting older homes that need cosmetic updates or functional improvements.
Frequently Asked Hard Money Loan Questions
How do I qualify for a hard money loan in Missouri?
To qualify for a hard money loan in New York with Ridge Street you need:
A Credit Score of 640+
A profitable deal with at least a 10% ROI
An LLC or a Corporation Registered In Missouri
What types of properties can I finance with a hard money loan in Missouri?
Ridge Street finances the following property types:
Residential 1-4 Units
Multifamily 5-50 Units
Commercial (Select properties)
What are the interest rates and terms for hard money loans in Missouri?
“Depending on the sponsors experience and credit profile Rates Range from 10.5%-11.5%. Ridge Street’s median rate for a hard money loan on a fix and flip in Missouri is 11.00% interest only with no pre-payment penalty.
How fast can I get a hard money loan in Missouri?
Ridge Street closes hard money loans in as little as 7-10 days.
Are there any state-specific regulations for getting a hard money loan in Missouri?
Ridge Street’s hard money loans are business purpose loans. This means that we can only lend to borrowers with entities (LLC or Corp) registered in Missouri.
Can I use a hard money loan to finance a fix and flip in Missouri?
Absolutely. This is the main use of a hard money loan in Missouri.
What is the loan-to-value (LTV) ratio for a hard money loan in Missouri?
There are a number of ratios that Ridge Street uses to determine the Loan Amount. Put simply, for a first time investor we finance up to 80% of the Purchase + 100% of the Rehab. For an experienced investor, we finance up to 90% of the Purchase + 100% of the Rehab.
Can I use a hard money loan to finance a rental property in Missouri?
You can use a hard money loan to purchase and renovate a rental property. You can then refinance with a DSCR Loan. If the property is rent ready at purchase, there is no need for a hard money loan and you can go straight into DSCR financing.
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