Licensed & LendingHard Money & DSCR Loans in Iowa
Capital Kings funds 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.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
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
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Iowa fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Iowa buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Iowa growth corridors specifically.
Active Markets
Cities We Fund Across Iowa
Active lending across Iowa's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Iowa Investors
Des Moines DSCR rentals priced for Midwest yields
Available statewide for Iowa investors.
Bridge financing for value-add multifamily
Available statewide for Iowa investors.
Fix-and-flip statewide
Available statewide for Iowa investors.
Common Questions
Iowa Lending FAQ
Do you lend hard money loans in Iowa?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Iowa through our 270+ lender network. We close Iowa deals in as little as 7 days.
What cities in Iowa does Capital Kings lend in?
We fund 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 fund 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 a 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 a Iowa fix-and-flip loan?
As little as 0% down on the right deal. Most Iowa hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Iowa can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Iowa Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Iowa deal we close.
Adjacent Markets
Also Lending In
M
Founder & Broker
Micah Foster
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.
Connect With Micah →Ready to fund your Iowa deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
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.