© WHERE WE LEND SAN DIEGO HQ · MISSOURI
HARD MONEY LENDER MISSOURI
Loan Goat funds fix and flip, bridge and rental deals in Kansas City, St. Louis, Columbia and across Missouri.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across Missouri, on both ends of the state and everywhere between: Kansas City, St. Louis, Springfield, Independence and Columbia. Our borrower owns property as a business. Flippers moving a few houses a year, landlords adding doors, builders finishing spec homes, operators buying small commercial. Rental loans on DSCR, bridge, fix and flip, construction, commercial, blanket, second and third mortgages. One direct lender, in-house capital, an answer in hours instead of weeks.
Missouri rewards operators who know their block. Kansas City spreads across a state line and trades on bungalows, foursquares and rehab-ready inventory close to the core. St. Louis is brick, block after block of two-family flats and century-old houses that punish a sloppy scope and pay a careful one. Springfield anchors the Ozarks. Columbia runs on the university. Independence offers older suburban stock inside Jackson County at prices operators like.
Loan Goat lends in Missouri from a single office in San Diego. Distance costs you nothing. Our capital is our own, so approval is a conversation with the decision maker, not a package mailed to an investor committee. Title and escrow happen near your property, the wire lands where it needs to, and closings run five to seven days. As fast as three days when the bridge file is clean.
Kansas City investors work the Crossroads and West Bottoms for conversions, and Brookside and Waldo for bungalow rehabs and rentals. St. Louis moves on brick: Tower Grove, Soulard, The Hill, Dogtown, plus two-family flats that make natural house hacks and rentals. Columbia is student housing for the University of Missouri. Springfield draws Branson and Ozark tourism into short-term rental plays. Independence keeps solid post-war stock near the Truman Library and the downtown square.
© MISSOURI LOCATIONS SAN DIEGO HQ · MISSOURI
EXPLORE OUR MISSOURI LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Kansas City Jackson County, out to Kansas City, Independence, Overland Park.
- St. Louis the City of St. Louis, out to Columbia, Springfield, Springfield.
- Springfield Greene County, out to Columbia, Springdale, Independence.
- Independence Jackson County, out to Kansas City, Kansas City, Overland Park.
- Columbia Boone County, out to Independence, St. Louis, Kansas City.
© THE COST SAN DIEGO HQ · MISSOURI
WHAT DO MISSOURI HARD MONEY LOANS COST
Pricing a Missouri deal works the same way it works anywhere else on this book. Bridge money runs from 9.00% to 13.00% and moves with leverage, property type and exit. Leverage runs to 75% on residential bridge and 70% on commercial, and business purpose loans reach $25,000,000.
Every Missouri file gets a full term sheet up front: rate, leverage, term, points and conditions, in writing, before third-party costs are incurred.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · MISSOURI
WHY LOAN GOAT IN MISSOURI
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Bank timelines kill Missouri deals. Estate sales, auctions and off-market brick buildings go to whoever can perform, and performing means funded, not pre-qualified. Bridge loans from 9.00% and up to 75% LTV put you in that group. Fix and flip covers purchase and rehab together. Commercial financing handles the storefront with apartments above it. Nobody in our shop has to ask permission from a committee before saying yes.
Holding costs matter on a St. Louis brick two-family that needs tuckpointing and a full mechanical replacement. We do not charge prepayment penalties, so paying off early costs you nothing beyond the interest you actually used. DSCR rental loans qualify a stabilized Kansas City duplex on its rent. Blanket loans consolidate a scattered-site portfolio across Jackson and Boone counties. Bank financing and owner occupied programs exist too, when that is the smarter route.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
MISSOURI, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Missouri files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN MISSOURI
Nine programs run in Missouri. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · MISSOURI
HOW WE LEND IN MISSOURI
Holding costs matter on a St. Louis brick two-family that needs tuckpointing and a full mechanical replacement. We do not charge prepayment penalties, so paying off early costs you nothing beyond the interest you actually used. DSCR rental loans qualify a stabilized Kansas City duplex on its rent. Blanket loans consolidate a scattered-site portfolio across Jackson and Boone counties. Bank financing and owner occupied programs exist too, when that is the smarter route.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
MISSOURI BORROWERS, IN THEIR WORDS
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The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II
© QUESTIONS SAN DIEGO HQ · MISSOURI
MISSOURI HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, Missouri is fully covered, from Kansas City and St. Louis out to Springfield, Independence and Columbia. Loan Goat is a private direct lender run from San Diego on in-house capital, carrying a 5.0 Google rating from more than 150 reviews and more than 1,300 closed loans since 2022. Everything runs remotely: you send the deal, we size it, title handles the rest.
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Yes, that is a core fix and flip and bridge scenario for us. Old brick with bad mechanicals, failed tuckpointing and a gutted interior is normal collateral, not a red flag, as long as your scope and budget are realistic. We fund the purchase and the rehab, release draws as work completes, and let you exit by sale or by refinancing into a rental loan.
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Yes, Boone County student rentals fit our DSCR rental program once the property is leased, and our bridge or fix and flip loans cover the work before that. Purpose-built student housing, converted single-family near campus and small multifamily all qualify. We underwrite the property and its income, so a strong lease-up matters far more than your personal tax return.
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Five to seven days is standard, and a file with clean numbers can fund in three. That speed is what lets you compete with cash in Jackson County. Send the address, your price, the repair budget and the exit plan, and you get real terms the same day. Minimal documentation, no committee, one decision maker. Call (619) 617-2797 to get a number fast.
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The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs
© WHERE WE LEND SAN DIEGO HQ · MISSOURI
MISSOURI, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · MISSOURI
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