No income or employment Required.
Real Estate Investment Loan

DSCR Loan Iowa Terms:

  • Purchase Loans Up To 85% LTV (Loan to Value)
  • Cash Out Up To 80% LTV (Loan to Value)
  • Purchase, Refinance and Cash Out
  • No Income or Employment
  • Limited Documentation Required
  • Foreign Nationals Welcome
  • First time and Experienced investors approved
  • Fast Close!


A DSCR loan Iowa is a powerful financial tool tailored for real estate investor enthusiasts in Iowa. Whether you’re eyeing residential properties or commercial ventures, a DSCR loan ensures your investment is not just a property but a thriving asset by evaluating its ability to cover debt obligations through generated income.

Why Iowa for Real Estate Investment: Iowa’s real estate market offers a promising landscape for investors. From the vibrant neighborhoods of Des Moines to the scenic beauty of Cedar Rapids, the state provides a diverse range of investment opportunities. Whether you’re a seasoned investor or a first-time real estate investor, Iowa’s real estate market is ripe with potential.

brrrr method


No Income Investment Loan
Just use rental income to qualify!
No DTI Programs available
Interest Only terms available
30 and 40 year amortization options

Refinaance your home


Cash out re-fiinance your investment
property to build you portfolio today!
Low Rates, High Leverage!
Minimal Documentation
Fast Close

cash out refinance


No income or employment required!
Up to 40 year amortization
Interest Only Options!

How DSCR Loans Work In Iowa: DSCR loan Iowa prioritizes a property’s income potential, making them an ideal choice for investors seeking to generate revenue through rent. The ratio is calculated by dividing the property’s Net Operating Income (NOI) by its total debt service, ensuring a comprehensive evaluation of the property’s financial viability. In Iowa’s real estate market, DSCR becomes a key metric for lenders when assessing loan eligibility.


  • Flexible Financing: Investors in Iowa can enjoy flexible financing options tailored to the unique demands of the real estate market. Terms from 30-40 years and a number of customizable features makes a DSCR loan an investors dream loan.
  • Income Diversification: By leveraging DSCR loans, investors can diversify their income streams through properties that generate consistent rental income.
  • DSCR Lenders Iowa: You want to choose a DSCR lender in Iowa that is experienced in the local market. We specialize in providing DSCR loans in Iowa, making them a suitable financing option for real estate Iowa investors, even those with less than perfect credit scores or personal income.
  • Our commitment towards our clients: Our commitment to excellence and client satisfaction sets us apart, ensuring a seamless and efficient financing process with more flexibility and accessibility compared to traditional commercial loans.

Key Features of our DSCR Loan Programs in Iowa:

  • Competitive Interest Rates: Benefit from competitive interest rates that align with the financial landscape of Iowa.
  • Personalized Solutions: Our team at CambridgeHomeLoan.com crafts personalized financing solutions to meet the unique needs of each investor or homebuyer.
  • Transparent Terms: We believe in transparency. Know exactly what to expect with clear terms and conditions, empowering you to make informed decisions.
  • High Leverage: Up to 85% on a purchase and 80% for a refinance or cash out refinance.

Quick DSCR Loan Iowa Solutions for long term cash flowing properties, up to 85% LTV.



dscr loan program


* Purchase, Refinance, Cash Out Refinance * Up To 80% LTV
* 15-30 Day Close * No Income Required

fix and flip loan programs


* Fix to flip or Fix to Rent . * Up to 90% of the Purchase and 100% of the Rehab. Closing 5-7 days!

rental loan


* Cash out Refinance into a 30 or 40 year loan..
* Closing as fast as 30 days! * Up To 80% LTV

construction loan


* Ground Up Construction * Builders and Inverstors
* Up To 85% of Ground / 100% of Construction


What are the requirement for a Debt Service Coverage Ratio (DSCR) Loan in Iowa?

The only requirement for a DSCR loan is the properties ability to repay the debt on the loan. No borrower income, tax returns or W2s required.

A DSCR of 1x means that the cash flow of the property needs to cover 100% of the property expenses including the mortgage. Some lenders require the DSCR to cover 1.2 or 1.25 times. The higher this ratio the better for both the lender and the property owner. If your DSCR ratio is 1.2, then your properties cash flow covers 20% more than the properties expenses.
CambridgeHomeLoan.com can finance your property with a DSCR as low as .85 allowing an investor time to stabilize their income.

How to calculate your properties DSCR in Iowa:

DSCR= NOI (Net operating income) -Expense
Mortgage Payment

Example: Income of $4000.00  Expenses $1,000.00, Mortgage Payment $2,000.00
Income – Expenses = $3,000.00 divided by $2,000 = $1.5%  DSCR ratio =1.5%
Anything over 1 means you are profitable. Under 1 means that there is not enough cash to cover your expenses.

What are the Benefits of DSCR Loans in Iowa?

The following are the key advantages and the benefits of an Iowa DSCR (Debt Service Coverage) loan:

  • DSCR Loans have easier application and faster closing times: With a DSCR loan you don’t need to submit any personal financial information or explain any gaps that you may have in your job history, DSCR loans Iowa often have a streamlined application and fast closing times.
  • DSCR Loans in Iowa does not require or take into account Personal income: Because DSCR loans in Iowa do not take into account any personal financial information, they are more accessible to borrowers who don’t have a considerable quantity of liquid assets.
  • You can purchase or refinance many properties at the same times: Some mortgages require you to commit to only one property at a time. As a result, you can’t grow your investment portfolio quickly or get a loan for a second property unless you’ve paid off your previous one. DSCR investor loans allow you to obtain many loans for different properties at the same time.
  • High Cash-Out: The DSCR has many benefits, one of which is high cash out amounts. This means that you can cash out for repairs and improvements or to purchase additional real estate investment assets.
  • Ideal for both new and experienced real estate investors: DSCR loans in Iowa are ideal for both seasoned real estate investors and novices. If you’re new to investing, this loan can help you get started on the right foot. And as an experienced investor, a DSCR loan can provide the funds you need to take your business to the next level. A DSCR investor loan is a smart option for financing your real estate investments.

What is NOI or Net Operating Income in DSCR Investor Loans?

A Net Operating Income, or NOI, is a figure that is used by lenders to determine whether a property will be able to generate enough income to cover the costs of a loan. In order for a property to qualify for a DSCR loan, the NOI must be greater than the amount of the loan payments. The NOI of an investment real estate asset is calculated by subtracting all operating expenses from the property’s total gross income. Expenses includes things like repairs, insurance, and taxes. By subtracting these costs from the income generated by the property, the NOI gives both the investor and lenders an accurate picture of the property’s earnings.

How Can You Qualify for a DSCR Loan?

To qualify for a DSCR Loan also known as a Debt Service Coverage loan, the property’s rental income must meet or surpass the lender’s coverage ratio criteria. The coverage ratio, which varies based on the loan product and borrower, is calculated as monthly rental income divided by mortgage payment. It normally ranges from .85x to 1.5x.

The application procedure is streamlined and could take less time than a standard investment property mortgage because eligibility for a DSCR mortgage is mostly mainly based on the rental income generated by the property rather than your personal income.

A real estate investor who wants to buy or refinance an investment property but does not have enough personal income to be accepted or does not want to give their tax, financial, and job paperwork is a good candidate for the Iowa DSCR Loan.

How to Apply for a DSCR Loan?

You can apply for a DSCR loan by applying HERE!

Step 2: Submit Proof of Your Properties Income

As your creditworthiness is verified by the income you will generate from the property you are buying; you need to provide proof that your property can cover the mortgage payments. So, provide the needed documents to showcase your property’s income against the loan amount.

Step 3: Closing

DSCR loans in Iowa do not need information about your financial history; the application and closing procedure is considerably faster than those for other types of mortgage loan programs.

Once you are approved for the loan, you will be provided with the interest rate, monthly payment, and the closing costs. Once agreed, you will go through the underwriting process, sign the final documents and close the loan.


Iowa, renowned for its scenic beauty and welcoming communities, presents several promising areas for real estate investors. Each region boasts distinctive characteristics that make it conducive to various real estate investment strategies. Here are some prime areas in Iowa that offer significant potential for real estate investments:

  1. Des Moines: Serving as the state capital, Des Moines stands as a major focal point for real estate investments. The city’s diversified economic landscape, encompassing finance, insurance, and manufacturing, provides a solid foundation for investment opportunities. A consistent influx of residents has created a sustained demand for both residential and commercial properties in Des Moines.

  2. Iowa City: Home to the University of Iowa, Iowa City offers a steady and reliable rental market driven by the continuous demand for student housing. The city’s real estate portfolio includes a blend of historic and contemporary properties, catering to a diverse range of investment preferences. Iowa City’s growing tech sector further contributes to its economic stability, enhancing its appeal to real estate investors.

  3. Cedar Rapids: Cedar Rapids stands out for its robust job market, particularly in manufacturing and healthcare, creating an environment conducive to real estate investment. A comparatively lower cost of living makes Cedar Rapids an attractive destination for families and individuals alike. Ongoing revitalization efforts in the downtown area and the presence of cultural amenities add to the city’s allure for real estate ventures.

  4. Investing in Ames Iowa: Home to Iowa State University, Ames offers a consistent demand for student housing, providing a reliable niche for real estate investors. The city’s economy benefits from a strong foothold in agriculture and technology, contributing to its overall economic resilience. With a stable job market and the presence of educational institutions, Ames presents promising opportunities for real estate investment.

  5. West Des Moines Iowa: Positioned as a Des Moines suburb, West Des Moines provides a diverse array of residential and commercial real estate investment opportunities. Recognized for its quality schools and high standard of living, the city attracts families, contributing to the demand for housing. The area’s substantial growth presents a favorable landscape for real estate development ventures.

  6. Ankeny: As one of the state’s fastest-growing cities, Ankeny emerges as an enticing location for real estate investors. Proximity to Des Moines, a robust job market, and a mix of housing options, including new developments, make Ankeny a compelling choice for investment.

  7. Sioux City Iowa for investment real estate: Situated in the western part of the state, Sioux City boasts a diverse economy, including agriculture, healthcare, and manufacturing, creating diverse investment opportunities. Ongoing riverfront development has opened new avenues for real estate investment in the city. Sioux City’s strategic location at the convergence of Iowa, Nebraska, and South Dakota enhances its economic significance, providing a unique context for real estate ventures.

When contemplating real estate investments in Iowa, thorough market research, consideration of local economic dynamics, and collaboration with knowledgeable real estate professionals become integral to crafting successful investment strategies.

For investors who have an existing short-term loan looking for an opportunity to streamline a 30 or 40-year Debt Service Coverage Ratio (DSCR) loan for non-owner-occupied rental investment properties.

Benefits of DSCR Loan Iowa

  • No evidence of personal income required
  • Maximize cash flow with 30 and 40 year interest only programs
  • Cash out to continue buying
  • Fast Close!
  • Foreign national and first time investors approved.
  • No verification of employment


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