Why Missouri is one of our top Midwest markets
Missouri is a non-judicial state with a clean trustee-sale process — typically 60 days from notice to sale. Both Kansas City and St. Louis have deep wholesaler networks, mature flip ecosystems, and price points that work for first-time and experienced flippers alike.
Kansas City spans the state line — our 100% program covers KCMO directly, and we also fund flips in Kansas City, KS through our Kansas footprint. St. Louis offers strong inventory across the Central West End, Tower Grove, and the South County Bevo/Carondelet corridor. Columbia rounds out the three with steady mid-Missouri demand.
Both Velocity and Optimal operate across all 3 Missouri-approved cities.
Run your Missouri deal now
Calculator opens with Missouri pre-selected. Enter purchase, rehab, and ARV — see both programs side-by-side in seconds.
Open Missouri calculator →Missouri approved-area cities (Velocity 100%)
Velocity (100% financing) requires the property to be in an approved-area city. Optimal works in any Missouri city. The 3 Velocity-approved Missouri cities are:
Property in a Missouri city not listed (Springfield MO, Independence, Lee's Summit, O'Fallon, etc.)? Still qualifies for the Optimal program — slightly less leverage, but lower rate.
Missouri fix and flip loan FAQ
Are AGS Lending Partners' Missouri fix and flip loans 100% financed?
Yes — Velocity finances 100% of purchase plus rehab in Missouri, up to 70% of ARV. You'll cover origination points (3.5%), $2,500 processing, and third-party closing costs at closing. No separate down payment.
Can I flip on both sides of the Kansas City state line?
Yes — KCMO routes through Missouri program coverage; Kansas City, KS routes through Kansas. Same calculator handles both — just select the correct state. Both sides of the line have Velocity 100% approval.
Does Missouri's foreclosure process help my pricing?
Yes. Missouri's 60-day trustee sale is fast and predictable, which keeps the higher 75% ARLTV cap on Optimal in play (vs 70% in judicial states). That translates to higher leverage on your deal.
How fast can a Missouri fix and flip loan close?
Typical close is 10–14 business days from full application + docs. Submit via the calculator's "Get your real quote" CTA — we'll lock a closer within 24 hours.
Not in Missouri? See the main calculator (works for all 12 active states), or read our full fix and flip program guide .