Short-term bridge loan · Iowa
Bridge loans for multifamily and commercial buildings in Iowa
From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts
Duplexes to 40-unit buildings, strip retail, small office, flex and warehouse — commercial real estate with equity and a plan. We bridge the gap between the opportunity and the permanent lender: buy before the bank is ready, stabilize occupancy, finish the rehab, then refinance or sell.
Serving Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, Waterloo and every county in Iowa. Multifamily & commercial 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 multifamily & commercial.
- Value today and value at stabilization, with the rent roll and comps that support it
- Occupancy, lease terms and deferred maintenance
- Your renovation or lease-up budget and timeline
- Exit: agency / bank refinance at stabilization, or sale
Typical deals
Where this loan fits.
- Closing on an under-managed apartment building before a bank can underwrite it
- Bridging a vacant or half-leased retail or office building through lease-up
- Paying off a balloon or a lender that pulled out at the last minute
- Cash-out on a stabilized building to buy the next one
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
Multifamily & commercial 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.
Anything where the loan fits our published range — from a small multifamily to mid-size commercial buildings. Larger requests are reviewed case by case.