Hard Money Loans in Des Moines, IA
Find lenders offering hard money loans in the Des Moines, including West Des Moines, Ankeny, Ames, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Which Hard Money lenders serve Des Moines?
15 lenders offering hard money loans in the Des Moines, IA area.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
What does the Des Moines commercial real estate market look like?
Des Moines is the insurance capital of the U.S., hosting the headquarters or major operations of Principal Financial Group, Nationwide, EMC Insurance, and over 80 other insurance and financial services companies, which anchor the metro's office market. The Western Gateway and East Village neighborhoods downtown have attracted adaptive reuse and new mixed-use development, while the Jordan Creek corridor in West Des Moines has emerged as the primary suburban office and retail hub. The metro has become a significant data center market, with Microsoft and Meta operating large campuses in Altoona and West Des Moines. Industrial demand centers on the U.S. 65 and I-80/I-35 interchange corridors, which offer central U.S. distribution positioning.
Key Economic Drivers
- ●Insurance and financial services headquarters cluster including Principal, Nationwide, and EMC
- ●Microsoft and Meta data center campuses in Altoona and West Des Moines
- ●Jordan Creek and Mills Civic Parkway suburban office and retail corridor
- ●I-80/I-35 interchange logistics and distribution operations
Market Insight
Iowa's High Quality Jobs Program offers significant tax incentives — including investment tax credits and sales tax refunds — for CRE projects that create jobs paying at least 120% of the county average wage, and Des Moines has been one of the most active metros for program utilization.
How do hard money loans work in Des Moines, Iowa?
Hard money loans are short-term, asset-based real estate loans used when speed and collateral matter more than full bank underwriting. They are common for fix-and-flip projects, distressed acquisitions, and short bridge periods before a sale or refinance. In the Des Moines metro area, borrowers can access 15 lenders offering Hard Money financing, including West Des Moines, Ankeny, Ames, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 9% - 12%+.
Who should consider hard money loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Auction or deadline-driven closings
- Short bridge periods before sale or refinance
What are the key requirements?
- Property or ARV support (often capped near 70-75%)
- Clear exit plan
- Cash for down payment, fees, and overruns
- Appraisal or valuation review
Advantages
- ✓Fast closings
- ✓Interest-only payments are common
- ✓Rehab funding is available on many deals
- ✓More flexible than bank underwriting
Considerations
- •Higher rates and points than bank or DSCR debt
- •Short terms with real refinance pressure
- •Property type and rural limits are common
- •Extension and draw fees can add up fast
Hard Money Loans in Des Moines FAQ
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