Hard Money Lenders Iowa – DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
Fast and reliable hard money financing across Iowa, including Des Moines, Cedar Rapids, Davenport, Sioux City, and Iowa City. Residential and commercial loans tailored for investors and builders, with streamlined approvals and quick closings.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Investors and builders across Iowa rely on hard money lenders Iowa to provide fast, flexible, and reliable financing for a wide range of projects. Whether you’re executing a fix & flip, purchasing rental properties, building spec homes, or acquiring commercial real estate, our programs are designed for speed and simplicity. Residential loans cover 1–4 unit homes, while commercial loans support office buildings, retail centers, warehouses, and mixed-use properties. Investors in Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, and surrounding areas benefit from streamlined approvals and rapid closings, often in as little as 7–20 days, helping them act quickly and secure profitable opportunities without the delays of traditional bank financing.
Our Iowa hard money lending programs prioritize project fundamentals, property potential, and borrower experience over extensive paperwork or personal income verification. Whether you are a first-time investor or a seasoned builder, our Iowa financing solutions provide the capital and guidance you need to grow your portfolio efficiently. By partnering with experienced hard money lenders Iowa, you gain access to a dependable source of funding for residential and commercial projects, allowing you to confidently pursue opportunities across the state and maximize returns in competitive real estate markets.
We Lend in:
Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, Waterloo, Ames, Council Bluffs, West Des Moines, Dubuque and most cities in Iowa
Investment Loan Programs in Iowa
Iowa Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties in Iowa. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Iowa Spec Home Construction Loans
Finance speculative home builds with fast approvals and flexible draw schedules for Iowa investors.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Iowa 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income—perfect for buy-and-hold investors in Iowa.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Iowa 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit residential apartment buildings in Iowa.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Iowa Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Iowa Commercial Hard Money Loans
Financing for commercial real estate investors across Iowa, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Frequently Asked Questions – Hard Money Loans in Iowa
A: We offer DSCR loans for 1–4 unit rentals, fix & flip loans up to 90% purchase + 100% rehab, spec home construction financing, asset-based loans for residential and commercial projects, and commercial hard money loans for office, retail, warehouse, and mixed-use properties.
A: Closings typically take 7–20 days depending on the loan type and project readiness.
A: Most Iowa hard money loans require a 660+ mid credit score, but approvals focus primarily on the property, project strength, and borrower experience.
A: Yes, portfolio financing is available for investors managing multiple residential or commercial projects across Iowa.
A: No — our hard money programs focus on property value and project feasibility rather than personal income or bank approvals.
A: We fund deals statewide, including Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, and surrounding communities.
A: Yes, spec home construction and large rehabs are eligible, provided they meet our experience and property requirements.