Genesis Capital for Iowa investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Iowa context
Iowa stable Midwest DSCR market.
How Genesis Capital positions in Iowa
The Iowa lender pool for DSCR includes Genesis Capital among the active platforms. Iowa top metros (Des Moines, Cedar Rapids, Davenport) see meaningful Genesis Capital loan volume.
City-level coverage in Iowa
Genesis Capital provides DSCR coverage across Iowa metros including Des Moines, Cedar Rapids, and Davenport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Genesis Capital program terms apply uniformly across Iowa metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Iowa property tax | 1.5% |
| Iowa state income tax | 3.8% |
Genesis Capital strengths in Iowa
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Iowa. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Des Moines is the top investor market in Iowa and falls within Genesis Capital national coverage. Des Moines property tax follows the Iowa state rate of 1.5 percent. Genesis Capital typically underwrites Des Moines acquisitions at standard rate sheets.
Yes. Cedar Rapids ranks among the larger Iowa investor metros and sees consistent DSCR loan volume from Genesis Capital. Submarket variation within Cedar Rapids matters for property selection.
Genesis Capital applies the same rate sheet across Iowa metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Des Moines, Cedar Rapids, and Davenport all qualify for the same Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Iowa stable Midwest DSCR market. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Iowa.
Iowa allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
Genesis Capital in Iowa works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.