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Fix & Flip · Missouri

Fix & flip loans in Missouri — fund the deal, keep your cash.

Mortava fix & flip loans in Missouri: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Missouri is landlord-friendly cash-flow markets across Kansas City and St. Louis. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Kansas City, St. Louis, Springfield and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Missouri project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Missouri projects with Mortava

In a market like Missouri, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Kansas City, St. Louis, Springfield deals and recycle capital into the next project faster.

Kansas City and St. Louis give Missouri two full-sized cash-flow metros with landlord-friendly rules and prices well under the national median. It’s a core BRRRR state: buy low, rehab, rent, refinance on the new value.

Top metros we fund
Kansas City, St. Louis, Springfield
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Missouri

The same leverage that funds a Missouri flip funds the "buy and rehab" half of BRRRR. Renovate in Kansas City or St. Louis, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Missouri fix & flip loan FAQ

Can I get a fix and flip loan in Missouri?
Yes. Mortava funds fix & flip projects across Missouri, including Kansas City, St. Louis, Springfield. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Missouri flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Missouri.
Do you fund first-time flippers in Missouri?
Yes — first-time flippers are welcome in Missouri with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Kansas City and St. Louis?
Yes — Kansas City, St. Louis, Springfield and every other Missouri market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Missouri property instead of selling it?
Yes. Many Missouri investors renovate with a Mortava flip loan in markets like Kansas City, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in MaineFlip in MarylandFlip in MassachusettsFlip in MichiganFlip in MinnesotaFlip in MississippiFlip in MontanaFlip in NebraskaFlip in NevadaFlip in New HampshireFlip in New JerseyFlip in New Mexico
All Fix & Flip programs → DSCR loans in Missouri → Missouri capital gains tax guide → Instant quote & pre-qualify →
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