FundLoans for Missouri investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How FundLoans positions in Missouri
Within Missouri, FundLoans competes alongside other DSCR lenders. FundLoans strengths: Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000), Broker-only origination. The high aggregate DSCR economics of Missouri create demand for FundLoans programs in St. Louis and Kansas City particularly.
City-level coverage in Missouri
FundLoans provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across Missouri metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
FundLoans strengths in Missouri
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct Missouri coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
St. Louis is the top investor market in Missouri and is generally within FundLoans states not publicly disclosed footprint. St. Louis property tax follows the Missouri state rate of 1 percent. FundLoans typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Kansas City matters for property selection.
FundLoans applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, and Springfield all qualify for the same FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in Missouri.
Missouri allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
For Missouri DSCR borrowers, FundLoans is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.