Iowa's Trusted Hard Money Lender for Real Estate Investors

Iowa's economy is steadier than many investors expect. Des Moines is a national center for insurance and financial services, Cedar Rapids has a strong manufacturing base, and the University of Iowa and Iowa State University fill rentals in Iowa City and Ames every year.

Unitas Funding provides Iowa investors with fix-and-flip, new construction, bridge, and DSCR rental loans. Hawkeye State borrowers can finance up to 92.5% of project cost at rates from 8.99%, from a lender with $4.5 billion funded.

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Fast, Reliable Capital for Your Next Iowa Deal

Affordable home prices and healthy rents give Iowa investors numbers that work on both flips and long-term holds. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Older four-squares and bungalows in Des Moines, Davenport, and Cedar Rapids are good renovation candidates. Unitas funds purchase and rehab together with 12-, 18-, or 24-month interest-only terms.

 

 

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New Construction Loans

New Construction Loans

Suburbs west of Des Moines, such as Waukee, Ankeny, and Grimes, keep adding new homes. Our construction loans fund the full build, with draws in 24–48 hours.

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Bridge Loans

Bridge Loans

Need to close on an Iowa property before your current project sells? A Unitas bridge loan covers the gap.

 

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DSCR Loans

DSCR Loans for Rental Properties

Insurance and finance employers in Des Moines, plus large student populations in Iowa City and Ames, keep rental demand steady. Our DSCR loans qualify the property on its rental income.

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What Makes Unitas Different in Iowa

  1. Direct Decisions
    Unitas approves and funds its own loans, so Iowa investors get fast, reliable answers.

  2. Midwest Market Experience
    We understand Iowa's older housing stock, student rentals, and realistic resale values.
  3. Draws Before Winter
    Draws funded in 24–48 hours help Iowa crews finish exterior work before the cold arrives.

  4. Ready Capital
    With $4.5 billion funded, Unitas has the capital to grow with your Iowa portfolio.

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Get Pre-Approved in 24 Hours
Have an Iowa property in your sights? Share the deal with us and get a pre-approval within 24 hours.

Frequently Asked Questions

How fast can Unitas close a loan in Iowa?

Most Iowa loans close within 10 business days of a complete application.

Does Unitas lend on student rentals in Iowa City and Ames?

Yes. Our DSCR loans fund rentals near campus, based on the property's rental income.

What leverage is available for an Iowa fix-and-flip?

Qualified investors can finance up to 92.5% of total project cost.

Does Unitas finance new construction in the Des Moines suburbs?

Yes. We fund ground-up construction in Ankeny, Waukee, Grimes, and other growing communities.

Which Iowa cities does Unitas serve?

We lend statewide. We have dedicated pages for Davenport and Des Moines, and we also fund deals in Cedar Rapids, Iowa City, Ames, Sioux City, and Waterloo.

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Ready to Fund Your Next Iowa Real Estate Investment?

Unitas Funding gives Iowa investors the fast, flexible capital they need in a stable Midwest market. From Des Moines renovations to new homes in the suburbs, we fund projects across the state. Contact us today to discuss your next Iowa investment.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.