Everything EquityBoost writes on Iowa rental property — all of it qualified on the property's cash flow, all of it to an Iowa LLC, none of it needing your tax returns.
We are a small shop that writes a narrow product deliberately. The deals that fit get priced sharply rather than defensively — and the ones that don't get told quickly.
Buy a rental. 30-year fixed, qualified on the property's rent rather than your income.
Replace a maturing balloon, a hard money note, or a bank loan you've outgrown — without taking cash.
Pull equity out of a rental you own and redeploy it. At 65% leverage, cash-out costs almost nothing over a purchase.
Equity out while your existing low-rate first stays exactly where it is. Almost nobody in Iowa writes these.
Ten years of interest-only payments on a 30-year term. Maximum cash flow while you build the portfolio — for a price.
Qualify a furnished or nightly rental on its documented short-term income rather than a long-term lease.
Interest-only buys cash flow. On a $250,000 loan the difference between an IO payment and a fully amortizing one runs a few hundred dollars a month — for an investor assembling a portfolio, that difference is the down payment on the next property.
It is not free. IO costs rate, and the cost rises with leverage. You build no equity through principal for ten years, and when the IO period ends the balance amortizes over twenty years, so the payment step-up is larger than most people expect. Worth it if you are actively acquiring and will refinance or sell inside the ten years; rarely worth it on a forever hold.
We can qualify a property on documented short-term rental income: platform statements, a rental history report, or a signed management agreement with performance data. A projection of what the property could earn is not enough.
It costs rate at every leverage band relative to the same property with a twelve-month lease. If the property also supports a long-term rent that covers the payment at 1.25×, qualifying it that way almost always prices better — worth running both.
Send the address, the rent, what you owe and what you are trying to do. We will tell you which program is the right tool — including when the answer is none of them.