Investor guides
Guides for financing investment property.
How lenders look at a deal, worked through with real arithmetic and dated sources. Written by the United Lending lending team.
DSCR
- 13-minute read · Updated November 4, 2026DSCR loans in Kansas City: the rent carries the loan below about $200,000, and the county sets the ceilingDSCR (debt service coverage ratio) is what a rental brings in each month, divided by everything the loan costs each month, taxes and insurance included. Run it on Kansas City's own September 2026 numbers and a clear line appears: the cheaper half of the metro qualifies on the rent, and the expensive half needs more cash down.
- 12-minute read · Updated November 4, 2026DSCR loans in St. Louis: the city's typical house sits right at 1.00, the county's falls short, and two-family flats change the mathA DSCR (debt service coverage ratio) compares what a rental collects each month with what its loan costs each month, taxes and insurance included. St. Louis city and St. Louis County are separate jurisdictions with very different housing, and on September 2026 data only the city's typical house gets near 1.00.
- 12-minute read · Updated November 4, 2026Missouri vs. Kansas property taxes: the assessment rate is the small part; the levy and the timing set your DSCRAsk around Kansas City and you'll hear that taxes are higher in Kansas, or in Missouri. For any one house, either can be true. The tax line in a rental loan payment comes from three numbers: the value, the state's assessment percentage and the local levy. DSCR (debt service coverage ratio) compares a rental's monthly rent with everything its loan costs each month, so it moves with all three.
Fix & flip
- 11-minute read · Updated November 4, 2026Fix-and-flip loans in St. Louis: the cash you'll bring, how draws are paid and the inspections that set your timelineSt. Louis lenders publish some of the plainest flip terms anywhere: 12% with points collected when you sell, or 10.99–13.99% with points at closing. What separates one loan from another here is the leverage cap, the term, and whether the City's or the municipality's occupancy inspection fits inside it.
- 10-minute read · Updated November 4, 2026Estimating ARV in Kansas City and St. Louis when sale prices aren't publicMissouri and Kansas both keep most home sale prices out of public view, so the free estimates investors lean on in other states are thinner here. This guide covers where real comps come from, the state, city and county lines that split values, and what a lender's 65–75% cap does to a comp set that crossed one of them.
Financing basics
- 11-minute read · Updated November 4, 2026Hard money loans in Kansas City: what local lenders charge, what they'll fund and what changes at State Line RoadKansas City's local hard money lenders publish rates of roughly 11% to 15% plus points, and most cap the loan at 65% to 75% of after-repair value. Here's how to compare those terms in dollars, what a lender checks before it funds, and why the Missouri and Kansas halves of the metro run on different rules.
- 10-minute read · Updated November 4, 2026Closing a flip or bridge loan fast in Missouri: the deed of trust, the title work, the entity papers and a 10-day planMissouri is one of the easier states to close an investor loan quickly: no transfer tax, modest per-page recording fees and a deed of trust rather than a court mortgage. What slows a Kansas City or St. Louis closing is usually a file problem, like an LLC that's out of good standing, a late valuation or an inspection nobody ordered.
BRRRR
Short-term rental
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.