Deficiency judgments in Missouri are:

A is incorrect because Missouri is not a non-recourse state for purchase-money mortgages. Lenders in Missouri have the right to pursue deficiency judgments when foreclosure proceeds don't cover the outstanding loan balance.

C is incorrect because deficiency judgments are not automatic in Missouri. They require a separate legal action where the lender must prove the amount of the deficiency and obtain a court judgment against the borrower.

D is incorrect because deficiency judgments in Missouri apply to both residential and commercial properties. The distinction isn't based on property type but rather on the nature of the loan and foreclosure proceedings.