© WHERE WE LEND ST. LOUIS · MO
HARD MONEY LENDER ST. LOUIS
Direct private capital for St. Louis investors, underwritten on the property and funded from San Diego.
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
St. Louis is a brick city, and that single fact drives most investor decisions here. Tower Grove South, Benton Park, Soulard and The Hill trade on restored stock, the Central West End on proximity to the medical campus, and Cherokee Street on small commercial. Deals run from the independent city out into St. Louis County without much change in strategy.
St. Louis is one of the Missouri markets Loan Goat lends in year round. the City of St. Louis files and deals in Columbia, Springfield and Springfield are underwritten identically, on value, exit and the plan for the property.
Loan Goat is a direct private lender, not a broker, headquartered in San Diego and funding across 46 states. A St. Louis borrower deals with the lender itself, not a broker shopping the file, which is the difference between a quote you can act on and a quote that needs a second opinion.
© THE COST ST. LOUIS · MO
WHAT DO ST. LOUIS HARD MONEY LOANS COST
Cost on a St. Louis file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a St. Louis deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| 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.
Those are the published ranges, not a teaser. Where a St. Louis deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT ST. LOUIS · MO
WHY LOAN GOAT IN ST. LOUIS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Banks underwrite the borrower. Loan Goat underwrites the property. On a St. Louis deal that means a self-employed investor, a recently formed LLC or a file with a complication on it is not automatically dead. The asset, the leverage and the exit carry the decision, and the answer comes back in hours instead of a month.
Red brick houses from the late 1800s and early 1900s, two- and four-family flats stacked along the south side streets, shotgun and gable-front brick in the older wards, and warehouse lofts downtown. None of that is unusual here; it is the normal book.
Brick rehab flips are the signature St. Louis move, and four-family holds give investors density without a commercial loan. Student and medical rentals near Saint Louis University and the Washington University campus stay leased through the year. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
ST. LOUIS DEALS, FUNDED FROM SAN DIEGO.
the City of St. Louis files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS ST. LOUIS · MO
MOST COMMON ST. LOUIS LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a St. Louis replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU St. Louis auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on St. Louis real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working the City of St. Louis.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in the City of St. Louis, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring St. Louis investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable the City of St. Louis condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in St. Louis whose write-offs make a bank file impossible.
- VACATION RENTAL St. Louis vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in St. Louis who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN ST. LOUIS
- 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
© PROPERTY TYPES ST. LOUIS · MO
PROPERTY TYPES WE FINANCE IN ST. LOUIS
- MULTI-FAMILY Two to four unit buildings and small apartment stock in the City of St. Louis, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in St. Louis commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in the City of St. Louis with a repositioning plan.
- OFFICE St. Louis office assets being repositioned or bridged to a conventional exit.
- MANUFACTURED HOMES the City of St. Louis manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING St. Louis care facilities bridged through licensing and stabilization.
© THE APPROACH ST. LOUIS · MO
HOW WE LEND IN ST. LOUIS
Read the table as a promise rather than a pitch. On a St. Louis deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
ST. LOUIS BORROWERS, IN THEIR WORDS
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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 -
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 -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
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 -
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 -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER
© QUESTIONS ST. LOUIS · MO
ST. LOUIS 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. Loan Goat funds investment property in St. Louis and across the City of St. Louis on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and St. Louis files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a St. Louis deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across the City of St. Louis. Owner-occupied has its own program. If the St. Louis asset produces or will produce value, there is usually a structure for it.
Property types -
Loan Goat does, funding St. Louis and St. Louis County four-families from San Diego as a direct lender. Older brick with deferred maintenance is normal work for us because we underwrite the property and the after-repair value, not your personal balance sheet. Bridge and fix-and-flip money closes in five to seven days with minimal documentation and no prepayment penalty.
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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 -
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 -
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 -
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
© WHERE WE LEND ST. LOUIS · MO
ST. LOUIS, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE ST. LOUIS · MO
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