Hard Money Lenders Missouri

Get approved in less than 5 minutes with instant term sheet + proof of funds

Fast Missouri Hard Money Loans
Ready to close in less than a week

  • Interest rates 9.25 – 11.25%
  • Credit score 650+
  • Loan-to-Cost Up to 90%
  • No income verification
  • Get approved online in 5 minutes
  • Instant proof of funds letter
  • Interest only payments
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Need financing for your upcoming real estate project? Get approved for a hard money loan in 5 minutes using our online application

Need funding fast? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in Missouri.

New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in MO.

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Loan Programs

Fix and Flip

Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Missouri. Interest rates from 9.25 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to up to 18 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 9.25 – 11.25%
  • Origination fee from 1.25 - 1.75%
  • Up to 100% construction
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Rent

Rent

30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 6.375, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.

  • Get up to $3,000,000
  • Interest rate 6.375
  • Origination fee 0 - 2%
  • 30-year fixed rate
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Ground Up

Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10.5 to 11.5%

The perfect solution for builders in Missouri that need quick access to capital to fund construction costs.

  • Get up to $5,000,000
  • Interest rate 10.5 - 11.5%
  • Origination fee from 1.5 - 2%
  • Up to 18 months
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Loan Application Process Overview

This short video will walk you through the application process, show you how to get conditionally approved online in under 5 minutes, see your preliminary term sheet and show you how our easy online platform helps you be more successful.

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Recently Funded In Missouri

Missouri Housing Market Overview

Average Home Value

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$258,766

1-Year Home Appreciation

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3.1%

Average
1 Bedroom Rent

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$1,108/month

Average 4 Bedroom Rent

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$1,609/month

Affordable Entry Point for Investors: With an average home value of $258,766, Missouri offers a more accessible entry point for real estate investors compared to the national average of $361,293. This affordability allows investors to acquire properties with lower capital, making it an attractive option for both new and seasoned investors.

Moderate Appreciation Rates: Missouri has experienced a 3.1% increase in home values over the past year. While this indicates steady growth, it also suggests that investors should focus on long-term strategies, such as buy-and-hold, to capitalize on gradual appreciation.

Rental Market Opportunities: The rental market in Missouri presents promising opportunities. With average rents of $1,283 for 2-bedroom units and $1,501 for 4-bedroom units, there’s potential for consistent cash flow. However, investors should conduct thorough market research to identify areas with strong rental demand.

 

Real Estate Investing Hot Spots In Missouri

Kansas City stands out as a dynamic urban center with a robust economy and diverse housing options. The city’s ongoing redevelopment projects, including the revitalization of downtown areas, have attracted businesses and residents alike. Investors can find opportunities in both single-family homes and multifamily units, benefiting from steady appreciation and strong rental demand.

St. Louis offers a blend of historic neighborhoods and modern developments, making it appealing to a wide range of tenants. Areas like the Shaw Historic District and Benton Park are known for their architectural beauty and community feel. With ongoing investments in infrastructure and public amenities, St. Louis provides investors with opportunities for both appreciation and cash flow.

Springfield is emerging as a hotspot for investors seeking affordable properties with solid returns. The city’s growing population and economy have led to increased demand for housing, particularly in the rental market. Investors can capitalize on lower property prices while benefiting from consistent rental income and potential appreciation

 

Missouri Real Estate Investor Associations

Resources Used In This Post:

Kansas City – Wikipedia | St. Louis – Ark7 | Springfield – Real Estate Skills

Reasons to Fund Your Investment Property with New Silver

It doesn’t matter if you are a buy and hold investor or a house flipping specialist. New Silver is one of the highest-rated hard money lenders in Missouri with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs with fast closing hard money loans.

Frequently Asked Questions

Yes. New Silver is both a hard money lender and private money lender specializing in asset-based financing for real estate investors across the U.S. This makes us an excellent option for investors who need quick access to capital – with instant term sheets, competitive rates, and, most importantly, fast closings that typically happen within 5 to 7 business days.

New Silver offers a variety of loan terms to suit different real estate investing strategies in Missouri, including:

  • Short-term fix and flip loans with durations typically between up to 18 months.
  • 30 rental property loans for long-term investment stability.
  • Construction loans structured around your development timeline, typically 18 months.

These terms allow real estate investors to match financing to their strategy—whether that’s a quick resale or long-term cash flow.

New Silver provides ground-up construction loans for real estate investors and developers building Residential 1-4 units, condos, townhomes in Missouri. We fund projects up to $5,000,000, with terms tailored to construction timelines. These loans are ideal for single-family residential builds that need reliable capital from start to finish.

New Silver offers short-term bridge financing through our fix and flip loan program. These loans have terms of up to 18 months and are ideal for real estate investors who need immediate funding to purchase and improve properties before resale.

Interest rates on hard money loans are higher than traditional mortgages because of the increased risk and speed involved. These loans are used for investment properties that need renovation, quick closing timelines, or flexible qualification—situations traditional lenders usually avoid.

Hard money loans are asset-based, meaning the property’s value drives the approval and serves as collateral for the loan. Since they’re short-term and fund riskier projects, the higher interest compensates for that risk. In return, investors gain access to fast, flexible capital that can help them act on time-sensitive opportunities and scale their portfolio faster.

Origination fees for New Silver loans typically range between 1.25 - 1.75%. Monthly payments on short-term loans are interest-only, reducing cash flow strain during renovations. For an accurate estimate, we recommend using our Hard Money Loan Calculator to preview fees and monthly costs.

Credit scores are part of our evaluation process, but they’re not the primary factor. Unlike traditional lenders, New Silver focuses on the asset and overall deal strength. A lower credit score may still qualify if the investment opportunity is strong.

New Silver offers a range of loan products designed for real estate investors in Missouri, including:

Each product is tailored for specific investment strategies, whether you’re renovating, holding, or building.

New Silver specializes in residential investment properties up to 4 units. We do not currently fund commercial properties with more than 4 units. However, we have partners we can refer you to if your project exceeds our scope.

We offer a DSCR-based 30-year rental property loan.This loan qualifies largely based on the income generated by the investment property, with a minimum DSCR requirement of 0.75. It’s ideal for buy-and-hold investors who want long-term financing in Missouri.

Where We Lend

Hard Money Loans Across The US

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