Missouri (MO)

DSCR Loans in Missouri

Property-cash-flow mortgages for Missouri real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a MO DSCR QuoteRun DSCR Calculator

Why DSCR Loans Work in Missouri

Kansas City and St. Louis are two of the most consistent BRRRR markets in the Midwest with deep contractor availability.

Average Rent
$1,400/mo
Top Markets
Kansas City & St. Louis for BRRRR; Branson for STR.
Close Time
13–21 days statewide

Missouri DSCR Loan Program

  • Loan Amount
    $100,000 – $5,000,000+
  • Max LTV
    80% purchase · 80% cash-out refi
  • Minimum Credit
    620 FICO
  • Minimum DSCR
    1.0 (sub-1.0 with compensating factors)
  • Property Types
    1–8 unit residential, condos, small multi-family, STR
  • Borrower Entity
    Individual, LLC, LP, Trust
  • Income Documentation
    None required
  • Rate Range
    Mid-7% to low-9% (Nov 2025)

Cities We Fund in Missouri

St. Louis
Kansas City
Springfield
Columbia

Plus every other city, town, and county across Missouri. Statewide coverage.

Related Resources

DSCR Loan Program Overview →
Full program details, rates, and how DSCR loans work.
DSCR Loan Requirements →
Credit, DSCR ratio, down payment, and documentation.
DSCR vs Conventional →
Compare DSCR to traditional investment mortgages.
DSCR Calculator →
See if your Missouri property qualifies in 30 seconds.

DSCR Loans in Other States

AlabamaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Frequently Asked Questions

Ready to Fund Your Missouri Rental?

Get a DSCR quote for your Missouri property in minutes — no credit pull, no income docs.