Easy Street Capital is proud to be a leading private lender for the Hawkeye State! We offer industry leading Hard Money and DSCR Loans for every type of Iowa Real Estate Investor. Easy Street Capital is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies such as Short Term Rentals, Fixing and Flipping and the BRRRR Method! Our Iowa DSCR Loans are perfect rental loans for the long-term real estate investor looking for cash flow. Our Iowa Hard Money Loans are ideal for renovators looking to add value through rehabs or ground-up construction!

Check out the rest of this Iowa Investment Property Loans page for all the information you need on our loan programs. Check out recently funded rental loans in Iowa, information on all of our loan programs, FAQs, market analysis and more!

Investors continue to seek loans for rental properties in Iowa, building rental portfolios with cash flow and appreciation in mind. The Hawkeye State is a current favorite of real estate investors due to many factors. These include a strong and stable economy, low vacancy rates and steady demand for rental housing and some of the lowest Rent-To-Income Ratios in the country, indicating a large potential renter pool and room for rent growth! Easy Street Capital is proud to be a leading provider of investment property loans for real estate investors in Iowa!

Types of Loans for Iowa Real Estate Investors

When it comes to real estate investing in Iowa, there are many markets and types of investment property loans to choose from. For investors that like to get their hands dirty, rehabbing run down properties, hard money renovation loans are a perfect choice! These loans allow you to buy a property quickly and finance your rehab costs as well! Once you are done, you can either “flip” the property for a quick profit or pursue the BRRRR Strategy by renting it out and then refinancing into a long-term, low-rate DSCR loan!

Long-term DSCR loans offer excellent investment opportunities for individuals seeking to invest in turnkey rental properties. "Turnkey" properties are those that are ready for immediate occupancy and require no renovations. They are typically single-family homes that are fully furnished for either short-term or medium-term rentals, and are ideal for generating cash flow and potential price appreciation.

DSCR Loans for rental properties are typically offered at fixed interest rates for thirty years, which provides long-term stability to investors. Given the steady increase in rental income and property appreciation over time, this fixed interest rate is beneficial in keeping the cost of debt constant while the cash flow increases over time. This makes it an attractive investment strategy for those seeking long-term financial stability.

One of the favorite metrics of real estate investors to spot profitable markets is the Rent-To-Income Ratio. The Rent-To-Income ratio measures a city’s average market rent against its median household income. The higher the Rent-To-Income ratio, the harder it is for renters to afford the prevailing rents in the city. Conversely, if the Rent-To-Income ratio of a market is lower than average, it means there is a large pool of potential renters for investment properties. Additionally, if the city is growing, it means that rents have room to increase significantly, meaning more cash flow and profits for landlords that lock in their debt payment costs for long-term periods by using DSCR Loans. Iowa may be the nation’s number one state for lowest Rent-To-Income Ratios!

Where To Invest In Real Estate In Iowa

Iowa is an overlooked market for real estate investors because of its smaller, lesser known markets. However, the state offers great potential for each type of real estate investor, and generally has less competition than larger, coastal states! Des Moines is the state capital and the most populous city and a major center of the US insurance industry. Cedar Rapids is the state’s second largest city and a blossoming center of arts, culture and museums in Iowa. Davenport, Iowa is the third largest city in the state and part of the “Quad Cities” metropolitan statistical area, which also includes Bettendorf, and the Illinois cities of Rock Island and Moline. Additionally, the college towns of Iowa City (University of Iowa) and Ames (Iowa State) offer sizable populations of renters.

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Are you a Property Manager, Full-Scale Mortgage Broker (including Conventional, Non-QM) or Investor-Friendly Real Estate Agent in Iowa? We are looking for trusted professionals in Iowa to refer our investor borrowers too! Comment or DM me to discuss, and we can potentially feature you on our website!