Iowa Investor Programs and Guides
Program and regulatory figures verified October 7, 2026. Details change; confirm your scenario with us.
Everything on this site in one place. The loan first, then the statutory facts that decide Iowa files, then the markets.
The loan
- DSCR loans in Iowa, the whole structure
- Cash-out refinance on a rental, and the appraisal problem that comes with it
- What belongs in the ratio
The exit, which prices the loan
- Two months on a rental, six on a home (§654.21)
- No redemption after sale, for anyone (§654.23)
- The deficiency election, and what it trades (§654.20)
The tax line
- What an Iowa investor does not get (ch. 425)
- The multiresidential class that closed (§441.21(13))
Markets
- All 15 markets, measured the same way
- Des Moines: the deepest market, and 11th of 15 on yield
- Burlington: the state's best gross yield
- Sioux City: yield from strong rent, not a low value
- The Quad Cities and Cedar Rapids, in the middle
And how it was sourced
Mike Certo, NMLS #260555. Cornerstone First Mortgage, NMLS #173855. (480) 296-6513 · mcerto@cfmtg.com.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about investment-property financing, not a loan commitment and not legal or tax advice. Iowa foreclosure procedure, redemption and deficiency rules are set by the Iowa Code and change; figures here carry the date we verified them against the code itself. Gross yield figures are a market indicator built from published typical values and typical asking rents, not a property-level underwrite: they exclude taxes, insurance, vacancy and management. Property classification and assessment are determined by the county assessor. All loans are subject to borrower, property and program qualification.