Des Moines, IA's Trusted Hard Money Lender for Real Estate Investors

Des Moines' identity as the nation's insurance capital — anchored by Principal Financial Group headquartered downtown — has helped fund a wave of redevelopment in the East Village and Sherman Hill, where century-old homes are being converted for young professionals moving into the metro.

Unitas Funding provides private real estate loans for investors throughout Des Moines and Polk County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed Des Moines investors need to compete.

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Fast, Reliable Capital for Your Next Des Moines Deal

Des Moines' insurance-and-finance-driven economy supports steady demand for renovated inventory near downtown and the East Village. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Polk County.

Fix & Flip Loans

Fix & Flip Loans

Sherman Hill's Victorian-era housing stock rewards investors who can modernize systems while preserving period detail for Des Moines' growing base of downtown professionals. Unitas funds acquisition and rehab budget together so you can close and start work fast.

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New Construction Loans

New Construction Loans

Infill lots near the East Village and Drake neighborhoods continue to draw new-construction activity as Des Moines' downtown workforce expands. Our construction loans fund the full build cycle with 24-48 hour draws to keep Iowa crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Sherman Hill acquisition before your permanent financing is finalized? Unitas bridge loans give Des Moines investors the short-term capital to secure deals without losing momentum.

 

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DSCR Loans

DSCR Loans for Rental Properties

Des Moines' insurance and financial-services workforce supports strong rental demand near downtown and the East Village. We qualify the property's cash flow, not personal income.

 

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What Makes Unitas Different in Des Moines

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Des Moines closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Des Moines Market Expertise
    Our team understands Polk County's downtown redevelopment corridors, from Sherman Hill's historic housing stock to the East Village's mixed-use growth, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Des Moines rehab and construction projects moving on schedule.

  4. A Track Record Built in Des Moines
    We've funded deals across Sherman Hill, the East Village, and greater Polk County, building the track record Des Moines investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Des Moines deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Des Moines?

Most Des Moines transactions close within 10 business days of a completed application, with our team coordinating directly with Polk County title companies.

What loan-to-cost is available for Des Moines fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for Sherman Hill and downtown-adjacent projects.

Does Unitas finance rental properties near downtown Des Moines?

Yes, our DSCR program funds rental properties throughout the downtown corridor and greater Des Moines, qualifying the property's income rather than personal tax returns.

Does Unitas fund new construction on infill lots in Des Moines?

Yes, our construction program can fund infill lots throughout Des Moines, including near the East Village and Drake neighborhoods.

What parts of Central Iowa does Unitas serve besides Des Moines?

We fund deals throughout Polk County and Central Iowa, including West Des Moines, Ankeny, and Urbandale.

Ready to Fund Your Next Des Moines Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Des Moines investors need to compete in Iowa's largest and most active metro. From Sherman Hill restorations to East Village infill, we fund projects across Polk County. Contact us today to discuss your Des Moines investment property financing.

Unitas Funding has funded 29+ deals for investors in and around Des Moines, IA.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.