Skip to content
UNITEDLENDING

St. Louis fix and flip loans

Fix and flip loans for St. Louis's older houses, with the rehab budget included.

In a metro with this much older housing, what's behind the plaster often decides the deal. A flip loan from us can cover up to 95% of the cost at the start and the whole renovation budget, interest only, for 12 to 18 months. Early payoff carries no penalty.

Get flip termsAbout Fix and flip loans
  • No credit pull to start
  • About a minute
  • A loan officer calls you

Market data

The St. Louis resale market

Renovated houses are selling fast and often above asking, but more listings are coming on, and the city and the suburbs are on different paths.
The St. Louis resale market
MeasureSt. LouisChangeSource and month
Median sale price (metro)$289,000+7.3% in a yearZillow, Aug 2026
Homes sold above list price43.1%US: 29.3%Zillow, Aug 2026
Median days to pending11 days8 a year earlier; US 27Zillow, Sep 2026
Homes for sale (metro)8,965+8.9% in a yearZillow, Sep 2026
Typical home value, Kirkwood$466,230+4.0% in a yearZillow Home Value Index, Sep 2026
Typical home value, Webster Groves$442,332+3.4% in a yearZillow Home Value Index, Sep 2026
Typical home value, St. Louis City$176,514−0.4% in a yearZillow Home Value Index, Sep 2026
Median sale price, new construction (metro)$419,000—Zillow, Aug 2026

Apart from the three home values, these numbers cover the whole metro, every kind of home, including the Illinois side of the river. With inventory up almost 9% in a year, price the resale off closed renovated comps rather than active listings.

Where we lend

Where St. Louis flips resell

A flip pays off when the finished house sells, so resale value is the number to watch. Zillow's typical values for September 2026:
  • Kirkwood and Webster GrovesMOKirkwood $466,230 and Webster Groves $442,332, both up over the year. Older inner-ring houses with resale strong enough to carry a full renovation; the example below is set here.
  • Clayton, Ladue and Richmond HeightsMOClayton $890,795 (+7.7%), Ladue about $1.38 million, Richmond Heights about $390,000. High-end rehabs and rebuilds, with budgets and loans to match.
  • Chesterfield and West CountyMOChesterfield $571,219, Ballwin about $411,000, Manchester about $376,000. Premium after-repair values for updates and additions.
  • South CountyMOOakville about $364,000, Sappington about $359,000, Crestwood about $343,000 and Affton $243,269. Mid-priced suburban rehab with a deep buyer pool.
  • St. Charles, O'Fallon and St. PetersMOO'Fallon ($378,128), St. Charles ($345,233) and St. Peters ($320,850). A renovated resale here competes with new homes: the county issued 1,056 single-family permits through September.
  • St. Louis CityMOCity values held flat over the year, while ZIPs such as 63108 (around the Central West End, about $314,000) and 63110 (Tower Grove and The Hill, about $301,000) sit well above the city-wide figure. Size each ARV on renovated sales close to the house.

Loans in St. Louis

Financing a St. Louis rehab from purchase to exit

Fix and flip loans

No prepayment penalty, with up to 100% of the renovation financed on top of up to 95% of the cost at the start. Send a line-item scope with a contingency and we'll size the loan on the call.

Fix and flip loans: terms

Bridge loans

Estate sales and as-is listings often come with houses a bank won't lend on yet. A bridge loan covers up to 95% of the cost at the start while you settle the scope, and you repay it by selling or refinancing.

Bridge loans: terms

DSCR rental loans

Rents in the city and North County are high against prices. If the numbers favor holding, refinance the finished house onto a DSCR rental loan.

DSCR loans: terms

A local example

ILLUSTRATIVE · WEBSTER GROVES, MO. FLIP

Round, illustrative numbers built on the market figures above. Not a quote.
Worked example

ILLUSTRATIVE · WEBSTER GROVES, MO. FLIP

Purchase price
$215,000
Rehab budget, including electrical, plumbing and a 10% contingency
$70,000
Loan: an example 80% of price ($172,000) + 100% of rehab
$242,000
Interest: 7 months at an example 10% on the full loan
$14,117
Property tax for 7 months at St. Louis County's 1.20%
$1,505
Your cash in: $43,000 down + interest + tax
$58,622
Resale at $385,000, less 6% selling costs
$361,900
Left after the loan and your cash in, before lender fees$61,278

These inputs, including the 80% purchase loan and the 10% rate, are made up for the arithmetic: not United Lending's terms, not a quote and not market data. We lend up to 95% of the cost at the start and up to 100% of the rehab; your rate, where the loan lands within those limits, draws and fees come from the call. For scale, Zillow put Webster Groves ZIP 63119 at a $379,466 typical value in September 2026, with its bottom third at $262,310. Older houses hide work behind the walls, so this plan carries a contingency and seven months of interest; each month the job runs long adds about $2,017. 361,900 − 242,000 − 58,622 = 61,278.

Before you close in St. Louis

Rehab rules in the St. Louis area

Know who issues the permitInside the city limit, permits go through the City of St. Louis. In the county, they go through St. Louis County or the municipality, depending on the address. Confirm before you schedule trades, because two addresses a mile apart can answer to different offices.
Occupancy inspections at resaleMany St. Louis County municipalities require an occupancy permit or inspection before a house changes hands. Find out early what the inspector checks, because open items can push your closing date and add interest.
Underwrite city ARVs on closed salesSt. Louis City's typical value slipped 0.4% over the year and is up about 10% over five years, against roughly 25% for the metro. In the city, use renovated sales from the last few months on nearby blocks, not a trend line.
Put the roof in the scope earlyFEMA's National Risk Index rates St. Louis among Missouri's highest hail-risk areas, and insurers in hail markets often limit coverage on older roofs. A roof's age affects your builder's-risk quote and your buyer's insurance.
Tax bills come due December 31Missouri property taxes are paid once a year, by December 31. A flip that owns the house across year-end needs the bill in its budget, as the example's tax line does.

St. Louis loans

Have a flip lined up? Get terms before your inspection period ends.

Name and mobile first, then a few taps about the property, the amount and your timeline. A United Lending loan officer calls you about the flip.
  • About a minute to fill in
  • No credit pull to start
  • A loan officer calls you back
  • Investment property only

Rather talk now? (718) 704-0499

Step 1 · About a minute in allNo credit pull

Your contact details

By pressing “Get my terms”, I agree that United Lending may contact me about this inquiry, and I accept the Terms of Use and Privacy Policy.

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.

Questions

Fix and flip loans in St. Louis: questions

Do you lend on flips in St. Louis City as well as the county?

Yes, across the city, St. Louis County, St. Charles County and Jefferson County. The same underwriting standards apply everywhere; what changes from one address to the next is the after-repair value the closed sales support.

How do you handle a big rehab budget on an older St. Louis house?

Our flip loans go up to 95% of the cost at the start and up to 100% of the renovation budget. We set the draw schedule on your call. A line-item scope with a contingency for wiring, plumbing and the roof gets you a faster answer.

What does a St. Louis flip loan cost?

The rate, points and fees are quoted on the call for your property. There's no prepayment penalty, so if the house sells in month five, you pay five months of interest.

How quickly are renovated houses selling in St. Louis?

Zillow's data has the typical St. Louis-area listing going pending in 11 days in September 2026, with 43.1% of August sales closing above list price. Inventory was up 8.9% on a year earlier, though, so plan your interest budget around a slower sale than the median.

Can I flip a two-family building in the city?

Tell us the building and the scope on the call, and we'll confirm which loan fits. If you'd rather keep it once it's renovated and leased, a DSCR rental loan looks at the building's combined rent.

Do I need flip experience or a high credit score?

We don't publish a credit minimum or an experience requirement for flip loans; how your score and track record affect leverage is something we'll confirm on your call. A realistic budget, a contractor who has handled older houses, and comps that support the resale all help.

Sources (5)Checked November 4, 2026

United Lending's own loan terms come from its published program limits as of the date above. Market figures and rules come from the public sources listed here. Your actual terms depend on the property, your credit and experience, and underwriting.

  1. Zillow Research: home values (ZHVI), rents (ZORI), days to pending, sale prices, inventory and forecasts, September 2026 release
  2. U.S. Census Bureau, Building Permits Survey: metro and county permits, January–September 2026 vs. 2025
  3. U.S. Census Bureau, ACS 2020–2024 5-year, B25103 median real estate taxes paid, by county
  4. U.S. Census Bureau, ACS 2020–2024 5-year, B25077 median home value, by county
  5. FEMA National Risk Index: hail risk by county