DSCR Financing in MO
DSCR Loans in Missouri
Kansas City growth, St. Louis yield, and Branson STRs, Missouri gives investors three full strategies in one non-judicial landlord-friendly state.
Local Market Context
Investor Markets in Missouri
Kansas City
Deep SFR and small multifamily market with BRRRR inventory and steady appreciation.
St. Louis
Class C and B cash-flow market with some of the country's best rent-to-value in certain corridors.
Springfield
Southwest Missouri cash-flow market with affordable SFRs and Missouri State rentals.
Columbia
Mizzou student housing and stable professional rentals.
Branson
Ozarks STR market with strong family-tourism occupancy.
Common Properties
What Investors Finance in Missouri
- ✓Kansas City SFRs and small multifamily
- ✓St. Louis Class C/B cash-flow SFRs
- ✓Branson Ozarks STRs
- ✓Columbia Mizzou student housing
- ✓Springfield cash-flow SFRs
- ✓Section 8 portfolios in KC and St. Louis
Property Types
DSCR Property Eligibility
Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.
Refinance optionsPurchase optionsProgram Paths
Current DSCR Options in Missouri
Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.
Program 3
Completed Rehab
A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.
Program 1
Small Balance
Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.
Program 7
Low / No FICO, No Minimum DSCR
Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.
80% cash-out can be available in Missouri. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.
Missouri DSCR FAQ
Does Get Brick Capital offer DSCR loans in Missouri?
Yes. Missouri is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.
Is Program 7 available in Missouri?
Yes. Program 7 can be available in Missouri for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.
Do I need W-2s or personal tax returns?
DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.
Can I close the loan in an LLC?
Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.
See Your Missouri DSCR Options
No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.