FIX & FLIP LOANS · Missouri (MO) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Missouri Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Missouri Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Missouri (MO), lenders underwrite to a Non-Judicial (Deed of Trust Trustee Sale) statutory framework (45–60 days-day average timeline), a 0.96% average property tax rate (~$212/mo at the $265,000 state median), and $640/$100K hazard insurance (~$141/mo).

Max Leverage / LTC
Up to 90% Purchase + 100% Rehab (75% ARV Cap)
Min FICO: 620 – 660+ FICO
2026 Rate Band
9.25% – 11.25% Interest-Only
12 – 18 Months Interest-Only (No Prepayment Penalty)
MO Security Instrument
Non-Judicial (Deed of Trust Trustee Sale)
45–60 days days avg timeline
MO Avg Tax & Ins
0.96% Tax
$640/$100K Hazard Ins

Missouri County-Level Property Tax & Insurance Hubs (1)

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Missouri Fix & Flip Loans (2026) — Up to 90% Purchase + 100% Rehab (75% ARV Cap), 9.25% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach