Fix and flip loans in Missouri, funded in 48 hours.

Yes. PML funds fix and flip loans in all 50 states, with active flipper books in Kansas City, St. Louis, Springfield, and Columbia. Single-family, duplex, triplex, and fourplex properties. Loan size from $100,000 to $5,000,000 per asset, with cross-collateralized facility lines available for sponsors running three or more concurrent Missouri projects. No state-line carve-outs on pricing or leverage; a Jackson County flip prices off the same rate sheet as a St. Louis City flip.

Missouri does not require a separate state lender license for business-purpose loans on 1 to 4 unit non-owner-occupied investment property held by an entity. PML originates Missouri fix and flip loans under that posture, with closings handled through the customary Missouri closing process. Loans are not consumer mortgages; they cannot be used for a primary or secondary residence. The borrower is always an LLC, LP, or corporation, never a natural person.

The bulk of Missouri fix and flip activity in our book lands in a $155,000 to $345,000 ARV band, with loans typically between $125,000 and $278,000 on a single asset. Kansas City and St. Louis skew toward the lower half of that band on entry-level cosmetic flips; Brookside Kansas City and the Central West End stretch to $685,000 plus on full-gut projects. We will write a Missouri loan as small as $100,000 and as large as $5,000,000.

Missouri is a title-company state. Closings happen at a licensed title company that handles both the title commitment and the escrow function — there is no attorney-state requirement and no separate settlement attorney. PML has working relationships with title companies in every major Missouri metro and routes closings to whichever office produces the fastest commitment for the subject property’s county. A clean Missouri file regularly closes 5 to 7 business days from term-sheet acceptance.

Missouri does not impose a state-level real estate transfer tax. The buyer pays only the county recording fee on the deed and deed of trust, typically $24 to $50 per document. PML’s quote on the HUD reflects the actual Missouri tax and recording schedule for the subject county; there are no lender markups on third-party closing costs.

Missouri spring storm and tornado season (March through June) does not pause draws but may delay roofing and siding work in the immediate aftermath of an event in a specific submarket. Inspector clears within one business day; wire goes out within 48 hours, year-round.

Missouri is a non-judicial foreclosure state operating under power of sale. A defaulted business-purpose loan can move from notice to trustee sale in roughly 60 days. As a sponsor this should never matter; as an underwriting input it is one reason our Missouri loans price cleanly off the national rate sheet.

The Jackson County e-recording system normally posts a deed and deed of trust the same business day they are submitted. Other major Missouri metros (St. Louis, Springfield and Columbia) run similarly fast on e-recording. PML wires loan proceeds the day of close; the lien recording happens in parallel.

Yes. Missouri trustee sales typically happen on a posted weekly or monthly schedule at the county courthouse. PML issues a binding term sheet within four business hours of a property submission, which is sufficient for most Missouri non-judicial auctions and most online foreclosure platforms. Clean title and a binding term sheet can move from winning bid to wire in 7 to 10 calendar days.

Yes. PML can close into a newly-formed Missouri LLC even if you took the property under contract in your personal name. The closing party handles the deed transfer at closing — the property moves from your personal name into the new entity simultaneous with the loan funding, with no Missouri transfer tax to absorb. We do not lend to natural persons; the borrower is always an entity. We can help structure the entity if you do not yet have one in place.