Capital Kings brokers hard money, DSCR, and bridge loans for Iowa real estate investors. Des Moines and Cedar Rapids drive most of our IA volume, with rental portfolios in college markets (Iowa City, Ames) close behind.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Iowa
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
Loan Products
Capital That Funds Iowa Deals
Iowa is a buy-and-hold investor's market. Entry prices stay low, rents stay stable, and the college markets provide consistent tenant turnover. Our DSCR lenders underwrite Iowa rentals with realistic vacancy assumptions and don't penalize the lower price points.
Fix & Flip
Hard Money for Flips
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Iowa flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Iowa buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Iowa growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Iowa
Active lending across Iowa's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Iowa before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Iowa Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Des Moines DSCR rentals priced for Midwest yields
Bridge financing for value-add multifamily
Fix-and-flip statewide
Common Questions
Iowa Lending FAQ
Do you lend hard money loans in Iowa?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Iowa through our 350+ lender network. We close Iowa deals in as little as 7 days.
What cities in Iowa does Capital Kings lend in?
We broker investor loans statewide in Iowa, with active deal flow in Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City and the surrounding metros.
Do you offer DSCR rental loans in Iowa?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we broker DSCR rentals across Iowa on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can an Iowa hard money loan close?
Most Iowa fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for an Iowa fix-and-flip loan?
It depends on the deal. Most Iowa hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Iowa Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Iowa deal we close.
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Iowa are originated by partner lenders licensed to lend in Iowa. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.
Broker, Not a Lender