Moe Bros Lending Terms

Loan Terms & Requirements

We keep our loan terms straightforward because we know your time is valuable. As active real estate investors ourselves, we've designed our hard money loans with the speed, flexibility, and terms that actually work for house flippers. No hidden surprises, no banking committees, no runaround – just clear terms from fellow investors who understand your business..

Loan Program Overview

📊Loan-to-Value

  • Up to 75% of After Repair Value (ARV)

  • We lend based on what your property will be worth after renovations, not just current value

🗺️Service Area

  • St. Louis, Missouri metro area only

  • Illinois properties not eligible

  • Property restrictions: No flood plain properties, no previously burned structures

📄Loan Term

  • 6-month initial term

  • 90-day extensions available for borrowers in good standing who are making progress

  • Extensions require written agreement and extension fee

Rates & Fees

📍Interest & Points

  • 12% annual interest rate (charged only on days in use)

  • 2 points due at closing or payoff

  • $3,000 minimum combined interest and points

  • Interest-only monthly payments

  • Interest charged on full loan amount, including undisbursed rehab funds

💼Loan Fees

  • First-time borrowers: $850 origination fee

  • Returning borrowers: $550 origination fee

  • Wire & admin fee: $250 (due at payoff)

Getting Approved

Step 1: Complete Your Borrower Application

Before we can fund your deal, we need to set up your borrower profile and verify your qualifications.

Step 2: Submit Required Documents

  • Personal Information
    Full names and addresses for all borrowers and spouses

    Driver's license copies for all borrowers and spouses

  • Financial Verification
    Bank statements: Last 3 months (personal or LLC accounts)

    LLC accounts must be operational for minimum 1 year

    Cash reserves required: $15,000-$25,000 maintained for last 3 months

    Tax returns: Previous year plus supporting documents (W-2s, P&L statements)

  • Business Structure
    Complete signed LLC Operating Agreement (if purchasing through LLC)

    All pages must be signed and dated by members/managers

  • Exit Strategy Verification
    If refinancing to exit: Bank name and minimum 680 credit score required

Property & Insurance Requirements

🛡️Lender Protection

  • Moe Bros Lending must hold first lien position

  • Property hazard insurance with Moe Bros Lending named as lender

  • Insurance coverage equal to full loan amount

  • Insurance paid in full for minimum 6 months

  • Title insurance provided by title company

🏠Closing Documentation

The following documents will be executed at closing:

  • Personal Guarantee (all borrowers and spouses)

  • Deed of Trust

  • Promissory Note

All loans subject to approval, property evaluation, and borrower qualification. As fellow investors, we evaluate each deal with an investor's perspective – not just a banker's checklist.

Ready to Flip Your Next Property?

Whether you're a seasoned investor or just getting started in house flipping, Moe Bros Lending combines the capital you need with the real-world experience you want. We've been where you are – analyzing deals, managing contractors, and building wealth through real estate. Let us help fund your next success story.

Questions about our terms? Call us at 636-224-6618

We Don't Just Fund Flips – We Flip Houses Too. That's the Moe Bros Difference.

© Moe Bros Lending. 2025. All Rights Reserved.

Moe Bros Lending is a private lending company serving Missouri real estate investors. We are
not licensed mortgage brokers and do not offer consumer or owner-occupied loans. Loan approvals are not guaranteed and all funding decisions are subject to underwriting. Information provided on this site is for informational purposes only and not financial, legal, or investment advice. Use of this site constitutes acceptance of our Terms & Conditions and Privacy Policy.