LoanFunders for Missouri investors
LoanFunders is a direct DSCR lender with a 0.80 minimum DSCR floor (1.15 DSCR required for its best pricing tier) and a 660 minimum credit score. Minimum loan size is $100,000, with maximum LTV of 80% (75% on 2–8 unit properties). The company does not publish maximum loan size, 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 LoanFunders positions in Missouri
Missouri is well covered by national DSCR lenders, with LoanFunders as one option. Where LoanFunders differentiates: 0.80 minimum DSCR floor (1.15 DSCR for best pricing). Where it competes: rates not publicly published against peer programs.
City-level coverage in Missouri
LoanFunders 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. LoanFunders 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 | $100K - — |
| 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% |
LoanFunders strengths in Missouri
- 0.80 minimum DSCR floor (1.15 DSCR for best pricing)
- Direct lender
- $100,000 minimum loan size
- Maximum 80% LTV (75% on 2–8 unit properties)
Ideal borrower: Investor with at least 0.80 DSCR seeking a direct lender; best pricing available at 1.15+ DSCR.
FAQ
Likely; verify direct Missouri coverage. LoanFunders 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 LoanFunders states not publicly disclosed footprint. St. Louis property tax follows the Missouri state rate of 1 percent. LoanFunders 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 LoanFunders. Submarket variation within Kansas City matters for property selection.
LoanFunders 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 LoanFunders program.
LoanFunders 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. LoanFunders follows standard business-purpose loan structures.
LoanFunders funds rental DSCR in Missouri.
Missouri allows standard DSCR prepay structures; LoanFunders typically uses 3-5 year step down.
LoanFunders typical close: Not publicly published.
Bottom line
For Missouri DSCR borrowers, LoanFunders is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LoanFunders.