Capital Kings LLC

How much cash do I need to flip a house in Missouri?

About $28,284 on a $160,000 Missouri first flip with a $40,000 rehab at 720 credit, on our Fastest Close (3 days) at 11.99%. That is the down payment and every closing cost. Plan to show $51,315 in the bank. With a few completed flips the cash drops to about $14,230 on 100% Financing, 2+ Flips.

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Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO · October 2026

Rates as of October 2026

$160,000 house, $40,000 rehab, 720 credit, first flip

Cash to close, first flip

$28,284

Proof of funds$51,315
After a few flips, as low as$14,230

The deal, in pictures

Cash to close on your first flip in Missouri

Fastest Close (3 days)$28,284
11.99% rate · $12,284 in closing costs
First Flip, 10% Down$34,865
9.99% rate · $14,865 in closing costs
Best Rate$36,174
9.49% rate · $12,174 in closing costs

720 credit, no completed flips, every closing cost included.

Capital Kings · capitalkings.co · rates as of October 2026

What you spend, and what just sits in your bank

Spent at closing$28,284

Stays in your bank$23,031

Shown in your bank statements (proof of funds)$51,315

On Fastest Close (3 days). The lender wants to see $51,315 in your bank statements.

Capital Kings · capitalkings.co · rates as of October 2026

Cash to close: The money you bring to the closing table: down payment plus every closing cost.
Proof of funds: Cash the lender wants to see in your bank statements. Only the cash to close is spent; the rest stays yours.
After repair value (ARV): What the house will be worth once the rehab is done. Lenders cap the loan at a share of it.
Draws: Rehab or build money released after each phase is finished and inspected.

The short answer, as of October 2026

First flip: 3 programs, with as little as 10% down.
Best rate on a first flip: 9.49% on Best Rate (700+ credit).
With 2+ completed flips: $14,230 to close on 100% Financing, 2+ Flips.

Capital Kings LLC is a broker, not a lender. We compare every file across 400+ lenders and send the term sheet with every fee on it before you sign.

Every dollar, line by line

A $160,000 purchase, a $40,000 rehab and a $290,000 after repair value in Missouri, 720 credit. The real term sheet:

Cash to close$28,284

Proof of funds to show$51,315

Where the $28,284 goes

Down paymentEquity$16,000
Appraisal feeAppraiser$0
Prepaid interestLender$710
Origination and lender feesLender$4,429
Broker feeBroker$2,000
Closing / titleTitle co$3,245
Property insuranceInsurer$1,900

Proof of funds adds $23,031 that stays in your account: part of the rehab and six months of interest. The gold broker line is the only money Capital Kings earns.

A sample sheet for a made-up borrower, built the same way yours is. Yours takes about five minutes and doesn’t pull your credit.

Have a deal in mind?Get my real numbers Text Micah

How do the options compare?

More down usually buys a lower rate, and a track record opens the low-down programs. Every program here is one we place in Missouri.

Your first flip in Missouri

Program	Rate	Down payment	Closing costs	Cash to close	Proof of funds
Fastest Close (3 days)	11.99%	$16,000	$12,284	$28,284	$51,315
First Flip, 10% Down	9.99%	$20,000	$14,865	$34,865	$55,856
Best Rate	9.49%	$24,000	$12,174	$36,174	$56,525

$160,000 purchase, $40,000 rehab, $290,000 after repair value, 720 credit, no completed flips. Closing costs are origination, the lender’s fees, our 1% broker fee, title, insurance, the appraisal and prepaid interest. Proof of funds is cash you show in the bank on top of cash to close; it stays in your account. Rates as of October 2026.

After a few completed flips

Program	Rate	Down payment	Closing costs	Cash to close	Proof of funds
100% Financing, 2+ Flips	9.50% to 12.00%	$0	$14,230	$14,230	$36,980
5% Down, 5+ Flips	9.99% to 10.99%	$8,000	$13,224	$21,224	$43,294
7.5% Down, 3+ Flips	9.99%	$15,000	$14,091	$29,091	$50,332

The same deal. Each program names the completed flips it needs. Where a rate shows a range, the lender picks the rate inside that range for each file, and some of these programs verify more cash in your account than shown here. Rates as of October 2026.

Price my deal →See every Missouri program Apply in about five minutes

How does it actually work?

A fix and flip loan covers the purchase and the rehab on one loan. The purchase funds at closing; the rehab is released in draws as the work is inspected, and interest is charged only on what has been drawn.

We place investor loans in Missouri and 36 other states, comparing each deal across 400+ lenders. Business-purpose loans only.

What else do people ask?

How much cash do I need to flip a house in Missouri?

On a $160,000 purchase with a $40,000 rehab and a $290,000 after repair value at 720 credit: about $28,284 to close on a first flip (Fastest Close (3 days), 11.99%), and $51,315 in proof of funds. With 2+ completed flips, about $14,230. Rates as of October 2026.

How do I apply for a hard money loan in Missouri?

Apply online in about five minutes. You get a term sheet with every fee on it right away, with no credit pull to apply. Then we compare your Missouri deal across 400+ lenders and send the best terms before you sign. Have the contract, the rehab budget and two months of bank statements ready.

What is the minimum down payment for a Missouri fix and flip?

10% on a first flip, and as little as 0% with a track record, on this deal. Every program also caps the loan at a share of the after repair value.

What credit score do I need for a Missouri fix and flip loan?

0 and up for a first flip, and 700+ for Best Rate at 9.49%.

Do I need experience to flip in Missouri?

No. The first table on this page is priced as a first flip. Completed flips open the lower-down programs in the second table.

What is proof of funds on a fix and flip loan?

Cash the lender wants to see in your account on top of cash to close, to cover part of the rehab and months of interest. It stays in your account. On this deal it is $51,315 on Fastest Close (3 days).

Do you pay a referral fee if I send you an investor?

Yes. We pay $500 to anyone who refers a real estate investor, realtors, wholesalers, contractors, other investors and lenders included, every time that investor closes a loan with us, for life. It comes out of our broker fee, so it never changes the investor’s terms. The details are on our referral program page.

Is Capital Kings the lender?

No. Capital Kings LLC is a broker, not a lender. We compare your flip across 400+ lenders, and our broker fee is one labeled line on the term sheet before you sign.

Which questions have worked examples?

Founder & CEO

Micah Foster

Micah brokers fix and flip, DSCR and new construction loans for real estate investors across 38 states. He founded Capital Kings LLC to give investors a broker who compares the market on their behalf instead of pitching one lender’s product, and every term sheet is itemized down to the last fee.

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Want your exact numbers?

About five minutes to a real term sheet for your deal. No credit pull, every fee on the page.

Get my real numbers →Call (281) 636-5682 Text Micah