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Hard Money Lenders Saint Louis

St. Louis Hard Money Loans for Fix and Flips, DSCR Rentals, and Ground Up Construction

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St. Louis, MO

Fix & Flip Loan

Sample Deal

Loan Amount $167,300

85% of Purchase + 100% of Rehab

Rate: 10.85%
12 Months

Points: 2.3%
13 Days to Close

Featured In

Why Ridge Street is The Best Hard Money Lender In St. Louis

We pride ourselves on being one of the best investment property lenders in St Louis for Fix and Flips, Ground-Up Construction, Rentals, and Multifamily investments.

Competitive Terms

We provide competitive Terms on St. Louis investment property loans. St. Louis Fix and Flip Loan rates range from 10.5%-11.5% and Origination Fee from 1.5%. DSCR Loan Rates range from 6.0% to 7.99% and Origination Fee from 0%.
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See our Loan Products Section for a detailed pricing breakdown of each St. Louis loan product.

Simple Online Application

Real Estate investors can apply online, get pre-approved, or schedule a call in 2 minutes. Working with Ridge Street is simple and fast.

Start your simple online application today. Learn More

Quick Turn Around

Our team is always available to take your call. If you submit a Quick Application or a Pre-Approval Application we’ll get back to you within 1 business hour.

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Reliable Financing

Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.

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Saint Louis Hard Money Loan Products

We provide fast and fairly priced Fix & Flip, DSCR and Construction Loans to local investors in the St. Louis area.

St Louis Fix and Flip Loan

Funding For Rehab + Purchase

$50,000 up to $3,000,000

Interest Rate 10.5%-11.5%

Origination Fee From 1.5%

Up to 90% of Purchase and 100% of Rehab

Fix and Flip Loans For Beginners Allowed

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Get Approved Online

St Louis DSCR Loan

30 Year DSCR Loans For Rental Properties

Up to $2,000,000

Interest Rate 6.0%-7.99%

Origination Fee From 0%

Up to 80% of LTV

Airbnb Loans and Long-term Rentals

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Ground Up Construction

For New Builds and Construction Completion

Up to $3,000,000

Interest Rate 10.99%-12.25%

Origination Fee From 1.5%

Up to 75% of Purchase and 100% of Construction

Up to 90% LTC

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You’re Local In Saint Louis, You Want A Lender Who Knows The Saint Louis Market

Understanding the Saint Louis market

St. Louis offers real estate investors one of the most favorable entry-price markets in the Midwest, with median home prices around $255,000 and a housing stock built around the city's signature red-brick architecture. The local economy is anchored by major employers including BJC HealthCare, Washington University, and Edward Jones, which sustain housing demand across the metro. South City neighborhoods like Tower Grove South, Botanical Heights, and Bevo Mill are active fix-and-flip corridors with proven buyer demand for renovated properties. Suburban communities including Kirkwood and Webster Groves attract families seeking renovated homes with strong school districts.

As a trusted lender, Ridge Street Capital is dedicated to providing flexible financing solutions to help real estate investors succeed in Missouri's dynamic market.

Experience Boost Program for local real estate investors

If you have local fix and flip or ground-up construction experience in Jackson County within the last 3 years, we’ll increase your leverage on our hard money loans for fix and flips.

Saint Louis Experience Boost Program Summary

The purpose of the local experience boost program is to give investors with local experience and good credit a 5% increase in leverage:

If you have 1 Experience In Jackson County with a successful exit, we may increase your leverage to 85% of the purchase + 100% of the rehab.
If you have 3 Experiences with 1 in Jackson County, we may increase your leverage to 90% of purchase + 100% of Rehab.
Any investors with 5+ experiences in the last 3 Years and 680+ credit, automatically qualify for 90% of Purchase + 100% of rehab.

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St Louis Hard Money Loan process

Our lending process for St. Louis investment properties is simple and quick. Ridge Street closes loans in as little as 7 business days.

Apply Or Get Pre-Approved Online

~ 2mins

Fill out a 2 Min Quick App with info about your St. Louis based project. We need some preliminary information so that we can accurately evaluate your deal.

If you’re looking to be pre-approved so that you can find your next deal or you’d like to get more info from on of our team members, select an option below.

Request A Term Sheet | Get Pre-Approved | Schedule A Call

Receive Your Term Sheet

~ 2mins

Once we have your completed application, we’ll email you the term sheet and give you a call to provide confirmation.

Hard Money Loan Process Step 3 Container

Submit Docs

~ 1-3 days

Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin underwriting the loan. We have a low document program with no income statement documentation.

Appraisal or BPO

~ 2-7 days

Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days.

Hard Money Loan Process Step 5 Container

Closing

~ 1-2 days

Once we have the completed document package, we'll schedule your closing within 1-2 business days.

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Featured Saint Louis Hard Money Loan

Location

Loan Type

Loan Amount

LTV %

Rate

Points

St. Louis Deal Summary

Ridge Street Capital financed a fix and flip in St. Louis's Tower Grove South neighborhood for an investor targeting a distressed brick single-family with strong resale comps in a high-demand South City corridor. The loan covered 85% of the purchase price and 100% of the renovation costs, structured at 10.85% interest-only for 12 months with 2.3% origination points. The borrower preserved the property's original brick facade while completing a full interior renovation, including a kitchen overhaul, updated bathrooms, and new mechanical systems. The property sold at $268,500, exceeding the projected ARV, with the deal closing in 13 days from application to funding.

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St Louis Hard Money Loans FAQs

How do I qualify for a hard money loan in St. Louis?

To qualify for a hard money loan in St. Louis with Ridge Street you need:

A Credit Score of 660+
A profitable deal with at least a 10% ROI
LLC or Corporation registered in Missouri.

What types of properties can I finance with a hard money loan in St. Louis?

Ridge Street finances the following property types:

Residential 1-4 Units
Multifamily 2-4 Units

What are the interest rates and terms for hard money loans in St. Louis?

Depending on the sponsors experience and credit profile, rates range from 10.5%-11.5%. Ridge Street’s median rate for a hard money loan on a fix and flip in Houston is 10.75% interest only with no pre-payment penalty.

Does St. Louis's older housing stock affect how Ridge Street evaluates a deal?

St. Louis has one of the highest concentrations of pre-1940 brick construction of any U.S. city.
Ridge Street underwrites these properties as standard fix and flip candidates. The key factors are the after-repair value relative to purchase price and rehab budget, not the age of the structure.
Investors should budget for knob-and-tube electrical and aging plumbing in older South City properties, as these affect the rehab cost estimate that Ridge Street uses to size the loan.

Are there any state-specific regulations for getting a hard money loan in St. Louis?

Ridge Street's hard money loans are business purpose loans. Borrowers must have an LLC or Corporation registered in Missouri. The City of St. Louis and St. Louis County are separate jurisdictions with different permit and code enforcement processes, so investors should confirm which jurisdiction their property sits in before applying.

Can I use a hard money loan to finance a fix and flip in St. Louis?

Yes. St. Louis's South City neighborhoods, including Tower Grove South, Botanical Heights, and Bevo Mill, have active buyer demand for renovated brick homes, making fix and flip the primary use of hard money loans in the market.

What is the loan-to-value (LTV) ratio for a hard money loan in St. Louis?

There are a number of ratios that Ridge Street uses to determine the Loan Amount. Put simply, for a first time investor we finance up to 80% of the Purchase + 100% of the Rehab. For an experienced investor, we finance up to 90% of the Purchase + 100% of the Rehab.

Can I use a hard money loan to finance a rental property in St. Louis?

You can use a hard money loan to purchase and renovate a rental property. You can then refinance with a DSCR Loan (This is called the BRRRR Strategy). If the property is rent ready at purchase, there is no need for a hard money loan and you can go straight into DSCR financing.

Interested In Working With Us?

We work with real estate investors across the country every day. How can we help?

Active Deal

I have an active deal and would like a Term Sheet.

Term Sheet

Pre-Approval

I’d like to to get pre-approved so I can find my next deal.

Pre-Approval

Schedule A Call

I’d like to schedule a call.

Schedule Call

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