Close as fast as 10 days with no appraisal and get up to 90% financing.
Missouri Fix and Flip Loan Terms
Flexible loan terms are essential for Missouri real estate investors to win bids against other flippers.
| Credit score | Minimum 680 |
| Loan amount | Min $100,000 |
| Purchase financing | Up to 90% LTC |
| Rehab financing | Up to 100% |
| After-repair value | Up to 75% ARV |
| Interest rate | 8.5%-11.4% |
| Terms | 6 and 12 months |
See How Much You Qualify For
Minimum Documentation
Capital Ton LLC specializes in low-doc and no-doc fix and flip loans in Missouri. No tax returns, W-2’s or personal income.
- Driver’s license or state ID
- Articles of organization
- LLC operating agreement
- EIN letter
- Certificate of Good Standing
Is flipping experience required?
No previous experience is required to get a loan for flipping houses in Missouri, but it does qualify you for higher leverage.
Do you work with first-time investors?
Yes, first-time real estate investors can qualify for up to 85% financing for fix and flips in Missouri with no experience.
What’s the minimum credit score for Missouri fix and flip loans?
680 is the minimum credit score for fix and flip financing.
Is an appraisal required for fix and flip loans?
No, an appraisal will not be required or ordered by Capital Ton.
Do fix and flip loans have prepayment penalties?
There is no prepayment penalty on a Missouri fix and flip loan.
Is it hard to get a loan to flip a house in Missouri?
Unlike other hard money lenders, it’s easy to get approved when the combined purchase price and rehab costs are below 70% ARV and your credit score is over 680.
Is Missouri good for house flipping?
Due to affordable housing prices, a strong rental market, stable job market and tax credits, Missouri has become a great place to flip a home in. Compared to other US cities, it’s easier to find properties at lower price points in St. Louis (STL) and Kansas City (KC). Making it easier for new investors to enter the real estate market with a low down payment and lots of upside.
There’s also a strong demand in Missouri college towns like Columbia, which are home to the University of Missouri (Mizzou). Student housing tends to require significant home renovations.
Additionally, in many parts of the Show-Me State, local governments offer tax incentives for renovating historic properties or investing in opportunity zones. These incentives reduce the cost of renovations and increase profitability.
Request a Loan Quote
- No application fee
- No credit pull for loan quote
- No appraisal
- Secure up to 90% financing
- Close as fast as 10 days
When you have a property under contract, you need a financing partner with experience, one who can offer a fast closing and high leverage.
You want to keep as much of your liquid cash as possible and close quickly. When it comes to fix and flip financing, we understand what’s important to you.
Fix & Flip Loan Quote Request
Approved Cities for the Fix and Flip Loans in Missouri
The following cities and towns qualify for the fix and flip loans Missouri program. Although “the Show Me state” has many great communities, Capital Ton’s focuses on these locations.
- Kansas City, MO
- St. Louis, MO
- Springfield, MO
- Columbia, MO
- Independence, MO
- Lee’s Summit, MO
- O’Fallon, MO
- St. Charles, MO
- St. Joseph, MO
- Blue Springs, MO
- St. Peters, MO
- Joplin, MO
- Florissant, MO
- Chesterfield, MO
- Wentzville, MO
- Jefferson City, MO
- Cape Girardeau, MO
- Wildwood, MO
- University City, MO
- Liberty, MO