Flexible Financing Options for Real Estate Investors
Investment property loans are specifically designed for real estate investors looking to grow their portfolios through rental income or fix and flip projects. Our loan programs help investors secure funding without relying on personal income.
- 1-4 unit residential properties
- Competitive interest rates
- Flexible approval requirements
- Quick pre-approvals without impacting your credit
Invest in real estate without relying on personal income.
Iowa Investment Property Loan Options
Capital Ton offers many types of real estate investment loans for residential properties.
Short-Term Rental Loans
Tailored for short-term rentals and vacation rentals. Qualify with income projections from AirDNA.
- Up to 80% LTV
- Up to 100% AirDNA projections
- 30-year fixed rates
Long-Term Rental Loans
Ideal for investors seeking “buy and hold” strategies for consistent rental income, without relying on personal income.
- Up to 80% LTV
- Qualify using projected rental income
- 30-year fixed rates
- Minimum 1.1 DSCR
Rental Portfolio Loans
For investors managing multiple rental properties who want one consolidated loan for easier management.
- Up to 80% LTV
- Minimum 3+ properties
- One monthly loan payment
- Minimum 1.1 DSCR
Bridge Loans for Real Estate Investors
Short-term bridge loans for residential real estate acquisition, delaying permanent financing or refinancing to purchase another investment property.
- Close in as little as 3 days
- No appraisal required
- Up to 70% LTV
- 12, 18 or 24 month terms
- Designed for investment purposes only
Fix and Flip
Short-term financing to buy, rehab and flip properties with fast closings, high leverage, and no appraisal.
- Up to 90% LTC
- Finance up to 100% rehab costs
- Close as fast as 3 days
- No appraisal required
Investment Property Loan Requirements in Iowa
To qualify for an investment property loan in Iowa, investors must meet the following criteria:
Property Types
1-4 unit residential properties, including single-family homes, townhomes, duplexes, triplexes, and quadplexes.
Required Documentation
A legally registered business is required to get funding for investment properties.
- Valid ID (Driver’s License or State ID)
- Articles of Organization (LLC)
- LLC Operating Agreement
- EIN Letter (IRS-issued tax ID)
Rental Property Loan Terms
Flexible terms for investors leveraging private money loans for rental properties.
| Minimum Credit Score | 680+ |
| Minimum Loan Amount | $100,000+ |
| Purchase/Refinance | Up to 80% LTV |
| Cash Out Refinance | Up to 75% LTV |
| Interest Rates | Starting at 7% |
| Minimum DSCR | 1.1 |
| Closing Time | 21-30 days |
Get Pre-Approval Today
Ready to get financing for your investment property? Complete the form to request a personalized quote and secure the financing you need.
- Fast approvals (24 hours)
- Flexible loan terms
- No tax returns or W-2 required
Whether you’re investing for the first-time or a seasoned investor, having an experienced financial partner can make all the difference.
Request a Loan Quote
- Secure up to 90% financing
- See how much you qualify for
- No experience required
Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 24 states, offering tailored financing solutions for fix and flip projects and rental properties. Capital Ton simplifies the lending process, while delivering competitive loan options and maintaining a commitment to transparency and integrity.
Iowa Investment Markets We Serve
We provide financing solutions across various real estate markets in “the Hawkeye State”, including:
- Des Moines
- Cedar Rapids
- Davenport
- Marion
- Sioux City
- Iowa City
- Ankeny
- Cedar Falls
- West Des Moines
- Ames
- Waterloo
- Bettendorf
- Council Bluffs
- Dubuque
- Urbandale
- Altoona