St. Louis DSCR Long-Term Rental Lenders
Are you seeking long-term private financing for a residential rental property in St. Louis? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in St. Louis’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The minimum credit score is 680 for most lenders. The loan terms range from 5 to 30 years.Searching...
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LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Rain City Capital
Quick, Simple, Reliable Direct Lender for Real Estate Investors
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Nationwide Mortgage - Rental Property Loans
DSCR 30-year Loans for Rental Properties Nationwide
Center Street Lending
Smarter Loans for Residential Investors
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Griffin Funding
Private Money Lender - Get the financing you need
KECO Capital, LLC
Funding for Investors By Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Minnow Loan
Your Deal. Our Money.
Missouri DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Missouri DSCR long-term rental loans in the 4th quarter of 2024 was 7.25%. The average loan amount was $161,465. These stats are the average of 185 loans funded for residential rental properties in Missouri between October 1, 2024 and December 31, 2024 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Top 10 Missouri DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in Missouri, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout Missouri from January 2024 to December 2024.
- RCN Capital funded over $37,330,000
- Constructive Capital funded over $23,360,000
- ROC Capital funded over $19,320,000
- Lima One Capital funded over $14,270,000
- Visio Lending funded over $13,120,000
- Diya Finance funded over $10,000,000
- Dominion Financial funded over $9,770,000
- American Heritage Lending funded over $8,700,000
- Renovo Financial funded over $6,640,000
- CV3 Financial Services funded over $6,460,000
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate. Not every loan has maturity data, so some lender’s volume may be higher than shown.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
Missouri DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in Missouri which were funded from January 2024 to December 2024.
- Approximately $72,057,265 of private money loans were funded in the 4th quarter of 2024 for 288 borrowers.
- Approximately $52,419,894 of private money loans were funded in the 3rd quarter of 2024 for 230 borrowers.
- Approximately $41,119,990 of private money loans were funded in the 2nd quarter of 2024 for 228 borrowers.
- Approximately $33,127,813 of private money loans were funded in the 1st quarter of 2024 for 165 borrowers.
Below are the approximate DSCR loan volume amounts for Missouri’s metropolitan areas:
St. Louis, MO
- 2024 Q4: $31,412,750 for 162 borrowers
- 2024 Q3: $25,119,629 for 143 borrowers
- 2024 Q2: $22,563,478 for 151 borrowers
- 2024 Q1: $13,013,789 for 87 borrowers
Kansas City, MO
- 2024 Q4: $42,979,711 for 127 borrowers
- 2024 Q3: $29,860,566 for 90 borrowers
- 2024 Q2: $17,184,199 for 70 borrowers
- 2024 Q1: $18,194,402 for 65 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
Funded DSCR Rental Loans in St. Louis
RCN Capital, a national direct private lender, funded a $168,000 first-lien position long-term rental loan for the acquisition of a duplex in Saint Louis, MO. We funded 79% of the $210,000 purchase price, while the Borrower contributed 21% cash at closing. One unit was leased for $765 per month, and the other was vacant at closing. The property size is approximately 1,722 square feet. The total market rent for the property was $1,900, providing a DSCR (debt service coverage ratio) of 1.18. The Borrowers had solid credit and sufficient liquidity. They opted for a 30-year fixed-rate, amortized mortgage with a 3-year declining prepayment penalty. The interest rate was 7.32%. This DSCR rental property loan was funded in November 2024.
