Data as of Aug 25, 2026 · Based on 316 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
For your property rehab in Des Moines, 
Brands AI recommends here
Named in 63% of answers
Best for high-speed lending needs where 48-hour potential closings are required for fix-and-flip or rental rehab projects. It is a preferred choice for investors aiming for efficiency and fast turnaround.
Named in 61% of answers
Best for investors needing deep local knowledge of the Des Moines area. This lender is frequently cited for providing personalized service and reliable funding for residential rehabs, with typical closing times around 10 days.
Named in 59% of answers
Named in 54% of answers
Source | Citation share |
|---|---|
 Iowa Hard Money Lender | Crebridhttps://crebrid.com/states/iowa | 7.5% |
Des Moines Hard Money | Boutique Private Lenderhttps://www.bridgewellcapital.com/des-moines-residential-hard-money/ | 6.3% |
Iowa Hard Money Loans | Easy Street Capitalhttps://easystreetcap.com/hard-money-loan-iowa/ | 5.9% |
 The Premier Lender for Iowa Real Estate Investors | Lima One Capitalhttps://www.limaone.com/iowa-hard-money-lender/ | 4.6% |
 Anchor Loanshttps://www.anchorloans.com/state-resources/iowa | 2.9% |
Iowa Hard Money Loans | Easy Street Capitalhttps://www.easystreetcap.com/hard-money-loan-iowa/ | 2.4% |
 Iowa Hard Money Loans - Private Lender Linkhttps://privatelenderlink.com/region/usa/iowa/hard-money-iowa-usa/ | 2.3% |
 Iowa Hard Money Loans — Up To 90% LTV, No DTI Analysishttps://www.equitymax.com/iowa-hard-money-lending/ | 2.3% |
 Iowa Real Estate Investment Loans | LendingOnehttps://lendingone.com/resources/where-we-lend/iowa/ | 2.1% |
Des Moines Hard Money | Boutique Private Lender | 515-379-5000https://www.bridgewellcapital.com/iowa-residential-hard-money/ | 1.9% |
If you need capital fast for a fix-and-flip or rental rehab in the Des Moines metro, a few active and reliable hard/private money lenders fund projects locally or statewide in Iowa: Top Hard Money Lenders for Des Moines - **Focus:** Fix-and-flip, rehab-only, and cash-out refinancing.
If you need capital fast for a fix-and-flip or rental rehab in the Des Moines metro, a few active and reliable hard/private money lenders fund projects locally or statewide in Iowa:
Top Hard Money Lenders for Des Moines
- **Focus:** Fix-and-flip, rehab-only, and cash-out refinancing.
- **Why them:** They operate locally in the Des Moines area with dedicated, direct-lender processing, personal account executives, and a strong BBB rating. They are usually a go-to when you need a local footprint that understands Polk County values.
- **Contact/Details:** Learn more directly via [BridgeWell Capital Des Moines Hard Money](https://google.com/goto?url=CAESZwHrOzAVqYpqcAs8QR_b5yG9rArgeMjLFRE_QlszpmA-J3bk5xP6MwDL8Y1yAMXGSCDm96nsdFWJr50hznmC6Xhu4RU5beGg7WiHTyRsFXgjqyA49Oxbx3PzBEJay-_9uLQ0_QCMEnk).[[1]](https://google.com/goto?url=CAESZwHrOzAVqYpqcAs8QR_b5yG9rArgeMjLFRE_QlszpmA-J3bk5xP6MwDL8Y1yAMXGSCDm96nsdFWJr50hznmC6Xhu4RU5beGg7WiHTyRsFXgjqyA49Oxbx3PzBEJay-_9uLQ0_QCMEnk)
- **Focus:** Statewide fast-funding for Fix & Flip (up to 93% LTC / 75% LTV) and Bridge/New Construction.
- **Why them:** Known for speed and high leverage if you need to close an acquisition quickly without jumping through traditional commercial banking hoops.
- **Contact/Details:** Review guidelines on [Easy Street Capital Iowa Hard Money](https://google.com/goto?url=CAESUgHrOzAVVV70rAHBPjn5wsqx4lIMky_DiuyWKWPxqMfPUghsGbT6yFAR1MJ_L1bdZBQFnTdRuYamt81ZOWdb2MBQ-dwQ3YyMnutsg-Rz-0lPpPM).[[1]](https://google.com/goto?url=CAESUgHrOzAVVV70rAHBPjn5wsqx4lIMky_DiuyWKWPxqMfPUghsGbT6yFAR1MJ_L1bdZBQFnTdRuYamt81ZOWdb2MBQ-dwQ3YyMnutsg-Rz-0lPpPM)
- If institutional hard money is moving too slowly, local portfolio lenders or regional brokers like *Johnson Lending Company* or commercial departments at local banks (e.g., Fidelity or West Bank type regional players) often structure private short-term rehab notes. Typical local terms in Des Moines average around 10%–14% interest with 2 to 3 origination points depending on your experience and LTV.[](https://google.com/goto?url=CAESaAHrOzAVWqJshc0hEHHA2WQaPle2UUzXoUPXyX-7SF5SruSR-F_vS3smeTUfXPcGEy_VZ88j-CGKgMwBomPF1kE20qU9iwe7OhBRIDP-FI0LKSq7FD16SRQPCDISYaSLIo0939JONSYh) [[1]](https://google.com/goto?url=CAESaAHrOzAVWqJshc0hEHHA2WQaPle2UUzXoUPXyX-7SF5SruSR-F_vS3smeTUfXPcGEy_VZ88j-CGKgMwBomPF1kE20qU9iwe7OhBRIDP-FI0LKSq7FD16SRQPCDISYaSLIo0939JONSYh)[[2]](https://google.com/goto?url=CAESXwHrOzAVUpjBe1pDV-yivGsah8tD1BCy6BaRZmuZpsbXos7-2Rj02sIxBiMSCYQSaATI6KxU32RopGYe9YJ7Gf0wDuI6HhrLRZuYsK01hSv2QrLcnEQdCLZDr5qQJEIT)
If you want to narrow this down, let me know:
I can help you pinpoint which of these options fits your leverage and speed requirements best.
- **Little Guy Loans** - 815 Office Park Rd Ste 10, West Des Moines, IA 50265, United States - **Structured Asset Finance** - 7755 Office Plaza Dr N, West Des Moines, IA 50266 - **Simple, LLC** - 815 Office Park Rd Ste 10, West Des Moines, IA 50265, United States
For a Des Moines rental rehab that needs funding ASAP, I’d get 3 quotes in parallel today rather than waiting on one lender. My first calls would be:
DirectionsWebsite[Call](tel:+1 515-556-9674)
Copy/paste this:
“I’m rehabbing a rental property in Des Moines, Iowa. I need acquisition + rehab financing. Please quote max LTC/LTV, interest rate, points, rehab draw schedule, closing timeline, extension fees, and whether you offer a rental refinance/DSCR exit.” Have ready:
A competitive hard-money structure in Des Moines often depends heavily on the deal, but published market examples commonly show roughly 10%+ interest, about 2–3 points, and asset-based leverage tied to ARV/LTC.
If you send me purchase price + rehab budget + ARV + whether you already own it, I can help you decide which lender is most likely to be the best fit and what terms you should push for.
- **Little Guy Loans** - 815 Office Park Rd Ste 10, West Des Moines, IA 50265, United States - **Jared Nicolaisen - Mortgage Lender** - 2370 Northwest 128th Street, Urbandale, IA 50323, United States - **Stockton Mortgage, NMLS #8259** - 5550 Wild Rose Ln Ste 4086, West Des Moines, IA 50266, United States
If you need to move ASAP, I’d shop this as a 3-way quote rather than automatically taking the first lender.
Send the same deal package to Little Guy, Lima One and Easy Street simultaneously. Ask each for:
For context, published Des Moines market data puts typical hard-money pricing around 10% interest and ~3 points, although individual deals can be substantially better or worse depending on leverage, credit, experience and ARV.
If you give me the purchase price, rehab budget, ARV, your approximate credit score, and whether you're keeping it as a rental or selling it, I can tell you which of these lenders I'd call first and what terms I'd consider a good deal.
When you need funding **ASAP** for a rental rehab or fix-and-flip in the Des Moines metro, traditional banks will take too long. You need private or hard money lenders familiar with Central Iowa property values (like Beaverdale, Highland Park, or surrounding areas like Ankeny and West Des…
When you need funding ASAP for a rental rehab or fix-and-flip in the Des Moines metro, traditional banks will take too long. You need private or hard money lenders familiar with Central Iowa property values (like Beaverdale, Highland Park, or surrounding areas like Ankeny and West Des Moines).
Top active options servicing Des Moines with fast turnaround times include:
If you want to move quickly, reaching out directly via BridgeWell Capital or applying through Easy Street Capital's Iowa Page will get you initial term sheets the fastest.
If you'd like, tell me:
I can help tailor what leverage or loan terms you should be demanding from these lenders.
If you need fast capital for a rental rehab or flip in the Des Moines metro area, several direct private and hard money lenders actively fund projects locally with quick turnarounds: - **[BridgeWell Capital](https://www.bridgewellcapital.com/des-moines-residential-hard-money/)** : A boutique private direct lender with…
If you need fast capital for a rental rehab or flip in the Des Moines metro area, several direct private and hard money lenders actively fund projects locally with quick turnarounds:
Note: Typical hard money terms in Des Moines currently average around 10%-11% interest rates with 2 to 4 origination points, and most asset-based lenders cap financing around 70%-75% LTV depending on experience.
If you'd like to narrow this down, let me know:
For a **Des Moines rental rehab**, I’d put **Lima One Capital** at the top of the list, with **Kiavi** as the strongest second quote. I’d also call the local **Little Guy Loans** because speed and local underwriting can matter more than a small rate difference on a rehab. ### My shortlist 1. **[Lima One Capital — Iowa…
For a Des Moines rental rehab, I’d put Lima One Capital at the top of the list, with Kiavi as the strongest second quote. I’d also call the local Little Guy Loans because speed and local underwriting can matter more than a small rate difference on a rehab.
Lima One Capital — Iowa investor lending — Best overall
Kiavi — Best for a fast online process
Little Guy Loans — Best local Des Moines call
Micro Banking Guy — Worth a backup quote
Call Lima One + Kiavi + Little Guy Loans simultaneously and tell each:
“I'm acquiring a rental in Des Moines that needs rehab. I need a bridge/hard-money loan for acquisition and renovations, with a DSCR/refinance exit. I want your maximum LTC/LTV, rate, points, rehab draw structure, minimum cash requirement, prepayment penalty, extension fees, and fastest possible closing.”
Don't choose based on rate alone. For a rehab, LTC + rehab funding + draw speed + extension terms + ability to refinance into the rental loan can make a much bigger difference to your actual return.
If you give me the purchase price, estimated rehab budget, ARV, expected rent, property type (SFH/duplex/etc.), and your approximate credit score/cash available, I can run the numbers and tell you which of these lenders is likely to fit best—and what terms I'd push for.
For a fast turnaround on a rental rehab project in Des Moines, you have access to both established local/regional private lenders and major national firms that actively fund in Polk County. Top Hard Money Lenders for Des Moines - [BridgeWell…
For a fast turnaround on a rental rehab project in Des Moines, you have access to both established local/regional private lenders and major national firms that actively fund in Polk County.
Top Hard Money Lenders for Des Moines
Local Insights
“At Little Guy Loans, we can move FAST. We review all loan applications within 24 hours. If we get all the information we need from you (like your LLC documents) and we have clear title on the property, we can close in a matter of days instead of weeks like...”
“From rehab to rental and river to river, BridgeWell's got Des Moines covered.”
To help narrow down the best fit right now, tell me:
If you need **hard money for a Des Moines rehab ASAP**, I’d call these **three first**, rather than relying on a generic mortgage broker: 1. **Little Guy Loans — West Des Moines** - Local investor-focused lender specializing in hard money.
If you need hard money for a Des Moines rehab ASAP, I’d call these three first, rather than relying on a generic mortgage broker:
Little Guy Loans — West Des Moines
Send the same deal package to all three and make them compete:
Ask each lender for rate, points, maximum LTC/LTV, rehab funding percentage, draw schedule, appraisal requirements, minimum reserves, extension fees, and exact cash-to-close.
For a rental rehab specifically, don't automatically take the lender with the lowest rate. Draw timing and the ability to roll into a DSCR/permanent rental loan can be worth more than 50–100 bps. Current Iowa lender listings also show strong investor-oriented options such as LendingOne for fix/flip and long-term rental financing.
If you give me purchase price + rehab budget + ARV + whether you're keeping it, I can tell you what I'd consider a good vs. bad hard-money quote for this particular Des Moines deal.
If you need to move **ASAP on a Des Moines rental rehab**, I’d call these three first: 1. **Little Guy Loans — West Des Moines** **My first call for a local deal.** It specifically focuses on hard-money/investor financing and is positioned around fast, relationship-driven lending for rehab and BRRRR projects. Phone:…
If you need to move ASAP on a Des Moines rental rehab, I’d call these three first:
Little Guy Loans — West Des Moines
My first call for a local deal. It specifically focuses on hard-money/investor financing and is positioned around fast, relationship-driven lending for rehab and BRRRR projects. Phone: 515-556-9674.
Ridge Street Capital — strong Iowa rehab terms
They publicly show an Iowa/Des Moines example of 85% of purchase + 100% of rehab, at 10.99% and 2.5 points. They advertise up to 75% LTARV in Iowa.
Easy Street Capital — best if speed/leverage is paramount
Current Iowa listings report programs up to 93% LTC / 75% LTV and closings as fast as 48 hours for qualifying deals.
I'd submit the same package to all three today and make them compete. Don't just compare the interest rate—compare points + lender fees + max LTC/LTARV + rehab draw rules + extension fees + prepayment penalty + actual closing time.
Have this ready when you call:
If you give me purchase price + rehab budget + ARV + how much cash you want to put in + whether you already own it, I can tell you which lender I'd pursue first and what loan structure/terms I'd consider competitive for your specific Des Moines deal.
When you need fast capital for a rehab in the Des Moines metro area, choosing the right hard money lender depends on how quickly you need to close and your level of flipping experience.[](https://easystreetcap.com/hard-money-loan-iowa/)…
When you need fast capital for a rehab in the Des Moines metro area, choosing the right hard money lender depends on how quickly you need to close and your level of flipping experience.
Top options serving Des Moines, categorized by their strengths, include:
Top Regional & Local Hard Money Lenders
CallDirections Website A direct, fully licensed boutique private lender with an A+ BBB rating that actively services the greater Des Moines area. They specialize in fix-and-flip and rehab-only lines, can close in as little as 10 days, and assign personal account executives.
CallDirections Website Frequently active in Des Moines for residential fix-and-flips. They are known for aggressive leverage on value-add projects for experienced investors (sometimes covering up to 85% purchase and 100% of rehab budgets).
Highly active direct lender in Des Moines specializing in 1-4 unit residential renovations. Because their team consists of active rehabbers themselves, they understand local municipal codes, project timelines, and contractor draw processes.
National Lenders with Strong Iowa Footprints
To help me narrow down which of these lenders can move fastest for your specific situation , tell me:
