Accelerate Your Real Estate Investment Portfolio with Missouri’s Trusted Private Money Lenders

Ternus: Supporting Missouri

The Show Me State, Missouri is well known for being the gateway to westward US expansion, with the accordingly named Gateway Arch along the mighty Mississippi River. Missouri is also famous for BBQ, the Ozark Mountains, the Chiefs, Cardinals, Royals, and many other wonderful attractions.

Looking to grow your real estate investment portfolio right here in Missouri? Ternus Lending is your go-to private money lender, offering fast, flexible funding tailored to Missouri’s unique market. Whether you’re flipping homes in St. Louis, pursuing a wholetail opportunity in Kansas City, or securing a DSCR loan for a rental property in Springfield, we’re here to support your success from start to finish.

MO hard money lenders

Who We Are

Ternus Lending was established for investors by investors armed with the knowledge and expertise to adeptly maneuver through the ever-evolving real estate landscape. Drawing on our experience with property acquisitions, we recognize the mix of exhilaration and pressure that comes with Missouri real estate investing. More than just private money lenders, we are committed partners who want to help you thrive.

What We Do

Here at Ternus Lending, we offer swift, flexible private money lending solutions. We provide a variety of loan options specifically designed to adapt to the changing needs of local investors. With a deep understanding of Missouri’s regionally diverse real estate markets, we can get you the targeted and impactful funding you need to help you reach your objectives. From St. Louis to Kansas City, we’re here to support your financial success. Our services include:

Loan Programs

 

Fix and Flip Loans

Our fix-and-flip loans are tailored for Missouri investors aiming to purchase, renovate, and sell properties with a quick turnaround time. With our competitive terms and quick approvals, we can assist you in achieving your property rehab goals.

Key Aspects of Our Fix-and-Flip Loans:

  • Up to 100% financing for 1–4-family properties, capped at 70% of the after-repair value (ARV)
  • Fast funding between $50,000 and $500,000, with potential for 24-hour closings in established areas, if the title is clear
  • No appraisals or credit checks, and we handle underwriting in-house to keep things moving smoothly

Transactional Funding

With our transactional funding, Missouri investors who want to capitalize on fast buy-sell opportunities can get short-term financing for double-closing deals. This funding solution lets you have quick transactions without the complications often associated with traditional financing.

Key Aspects of Our Transactional Funding:

  • Loan amounts from $50,000 to $500,000, with quick processing and potential same-day closings
  • Low fees with just a 1% origination fee and no additional fees for document preparation or processing

Wholetail Loans

With our wholetail loans, you can get short-term financing for quick real estate transactions. We offer competitive interest rates and have the ability to close in as little as 24 hours with a clear title. Ternus’s wholetail loans can be the perfect solution for your Missouri rapid investment strategies.

Key Aspects of Our Wholetail Loans:

  • Rates at just 12%, interest-only payments available monthly, and no rehab escrow
  • $50,000 to $500,000 loans for 1–4-family properties covering up to 100% of loan-to-cost
  • Rapid closing in as little as 24 hours with minimal fees and no hidden processing charges

Long-Term Rental Loans

For Missouri investors looking to make long-term investments, Ternus offers DSCR loans with terms extending up to 30 years. With favorable interest rates, you can maximize the returns in your rental portfolio.

Key Aspects of Our Long-Term Rental Loans:

  • Financing up to 80% of the as-is value for non-owner occupied 1–4-family properties
  • Flexible terms with options for up to 30-year fixed-rate loans
  • Competitive rates starting as low as 6.59%

Investor Rental Portfolio Loans

With flexible terms and competitive interest rates, our rental portfolio loans can help you build your Missouri rental empire. We also offer DSCR loans that can be tailored to your needs. These loans enable you to leverage the rental income from your properties, making them ideal for generating steady income and accumulating wealth.

Key Aspects of Our Investor Portfolio Loans:

  • Financing for a variety of properties, including single-family homes, condos, townhomes, and multi-family buildings (5–9 units)
  • Flexible terms of 3, 5, 7, or 10 years, with options for interest-only payments
  • Loan amounts from $55k per property up to a total portfolio limit of $20M, supporting both small and large investments