Investment property financing built for Missouri
Missouri sits at the crossroads of the country, and its investment-property demand is spread across two very different metros — Kansas City on the western border and St. Louis on the Mississippi — plus fast-growing Springfield and the Columbia–Jefferson City corridor in the center. New City Financial funds business-purpose deals across all of them the way investors actually operate: on the strength of the property’s cash flow, not a stack of personal paperwork.
Because we underwrite the asset rather than your tax returns, our programs fit Missouri’s steady, income-driven market — self-employed and portfolio investors, LLC-titled rentals, and out-of-state buyers drawn by the state’s low cost basis. Whether you’re buying a warehouse near the Kansas City rail hubs, refinancing an apartment building in St. Louis, or pulling cash out of a Springfield or Columbia portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Missouri investors
Every New City Financial program is available on qualifying Missouri investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Missouri
We lend on business-purpose investment and commercial real estate across Missouri — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Missouri investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Missouri? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Missouri commercial loan FAQs
Does New City Financial lend on investment property in Missouri?
Yes. We finance business-purpose investment and commercial real estate throughout Missouri — from Kansas City and St. Louis to Springfield, Columbia, and the Jefferson City corridor. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Missouri commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required. That fits Missouri’s many self-employed, portfolio, and out-of-state investors.
What credit score do I need for a DSCR loan in Missouri?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong Missouri asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Missouri?
Most Missouri files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — an advantage in Kansas City and St. Louis markets where speed wins deals.
What loan-to-value can I get on Missouri investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you finance industrial and warehouse property in Missouri?
Yes. Missouri’s central location and dense rail and interstate network make Kansas City and St. Louis major distribution markets, and we finance business-purpose industrial, warehouse, and flex assets there — along with multifamily, retail, office, and mixed-use. Owner-occupied commercial space is eligible; primary residences are not.
Financing your Missouri deal with New City Financial
New City Financial provides business-purpose financing on Missouri investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.