Short-term bridge loan · Iowa
Bridge loans for hotels, motels and short-term rentals in Iowa
From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts
Hospitality property is exactly where banks stall: seasonal income, franchise changes, PIP renovations, a maturing SBA note. We lend against the real estate itself — a limited-service hotel, an exterior-corridor motel, a portfolio of Airbnb cabins — so you can buy, reposition or refinance while the business proves itself.
Serving Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, Waterloo and every county in Iowa. Hotels & STRs deals get the same answer everywhere: real equity, a clear exit, a fast close.
Deal check · live
No credit pullLoan-to-value
60%
Your equity
40%
Rates from
9%
Your deal fits what we fund
40% equity · within our size and term range. If the documents line up, we can close fast.
Rates 9%–24% depend on amount, structure, valuation, borrower, timing and due date. Your quote follows review — not a commitment to lend.
What we look at
How we underwrite hotels & strs.
- Appraised or supportable value of the land and building, not just trailing revenue
- Franchise / flag status and any required PIP, with a realistic budget
- STR permits, occupancy history and seasonality for vacation rentals
- Your exit: refinance into SBA 7(a)/504 or CMBS, sale, or stabilization
Typical deals
Where this loan fits.
- Buying a motel or small hotel at auction or from a retiring owner with a 30-day close
- Paying off a maturing hotel loan while you shop permanent financing
- Cash-out on an owned hotel to fund a PIP, a second property or a flag conversion
- Acquiring or refinancing a short-term rental portfolio near a lake, resort or college town
Iowa markets
Where we lend in Iowa.
Des Moines and West Des Moines, Ankeny, Cedar Rapids, Iowa City, Davenport and the Quad Cities, Sioux City, Council Bluffs, Waterloo–Cedar Falls, Ames and Dubuque, plus I-80 / I-35 highway commercial.
Where we lend
Hotels & STRs loans by state.
0+
Deals reviewed
~1 in 4
Deals we fund
0 days
Average close (approved)
0%
Repeat borrowers
Illustrative figures · updated before launch
Borrowers on RECO
“Checked the deal on a Tuesday, had a quote Thursday, closed the duplex in nine days. The bank was still asking for tax returns.”
Sample · M. Alvarez · Investor · Kansas City, MO · $340K purchase bridge
Sample testimonials — replace with verified reviews before launch.
Why private capital
RECO vs. the bank
Questions
Straight answers.
Both. Franchised limited-service hotels, independent motels and boutique properties all qualify when the real estate has real equity and a clear exit. Flag approvals are your responsibility; we underwrite the property.