{
 "count": 32,
 "sources": [
  {
   "id": "bankers-trust",
   "name": "Bankers Trust (Des Moines)",
   "url": "https://www.bankerstrust.com",
   "types": [
    "heloc",
    "loc",
    "portfolio"
   ],
   "region": "iowa",
   "blurb": "Des Moines-based bank — local portfolio/commercial lending relationships + HELOCs; local banks often fund flips national lenders won't.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "walled",
   "http": 403,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "meetup-dsm-rei",
   "name": "Des Moines REI meetups",
   "url": "https://www.meetup.com/find/?keywords=real%20estate%20investing&location=us--ia--des-moines",
   "types": [
    "jv",
    "private-money"
   ],
   "region": "iowa",
   "blurb": "Live search of Des Moines-area real-estate investing meetups — local private money and partners.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "greenstate-heloc",
   "name": "GreenState CU home equity",
   "url": "https://www.greenstate.org/personal/borrow/home-loans/home-equity",
   "types": [
    "heloc"
   ],
   "region": "iowa",
   "blurb": "Iowa's largest credit union — HELOC/home-equity loans usable as flip capital.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "walled",
   "http": 403,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "invest-dsm",
   "name": "Invest DSM",
   "url": "https://investdsm.org",
   "types": [
    "grant",
    "local-program"
   ],
   "region": "iowa",
   "blurb": "Grants (Block Challenge, Special Projects) for renovating homes in four Des Moines Special Investment Districts — real money for rehab in-district.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "iowa-finance-authority",
   "name": "Iowa Finance Authority",
   "url": "https://www.iowafinance.com",
   "types": [
    "local-program",
    "gov-rehab",
    "info"
   ],
   "region": "iowa",
   "blurb": "State housing programs — homebuyer assistance, some rehab/development funding rounds; watch for program NOFAs.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "nfc-dsm",
   "name": "Neighborhood Finance Corporation (NFC)",
   "url": "https://neighborhoodfinance.org",
   "types": [
    "local-program",
    "gov-rehab",
    "grant"
   ],
   "region": "iowa",
   "blurb": "Des Moines/Polk County lender: purchase+rehab loans WITH forgivable loan portions in targeted neighborhoods. The single most flip-relevant local program.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "pchtf",
   "name": "Polk County Housing Trust Fund",
   "url": "https://www.pchtf.org",
   "types": [
    "grant",
    "local-program"
   ],
   "region": "iowa",
   "blurb": "Funds affordable-housing development/rehab in Polk County — grant/loan pool if a project has an affordability angle.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "seller-finance-deals",
   "name": "Seller financing — on the deal page",
   "url": "https://flipdogs.1088labs.com/",
   "types": [
    "seller-finance",
    "info"
   ],
   "region": "iowa",
   "blurb": "Seller financing is arranged per-deal with the seller, not through a lender — filter the FlipDogs deal page by the seller-finance tag to see live candidates.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "veridian-heloc",
   "name": "Veridian CU home equity",
   "url": "https://www.veridiancu.org/personal/loans/home-equity",
   "types": [
    "heloc"
   ],
   "region": "iowa",
   "blurb": "Iowa credit union HELOC — tap existing home equity as flip capital (cheapest money you can get if you have equity).",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "anchor-loans",
   "name": "Anchor Loans",
   "url": "https://www.anchorloans.com",
   "types": [
    "hard-money",
    "bridge"
   ],
   "region": "national",
   "blurb": "Large fix-and-flip lender (est. 1998); bridge and construction products for flippers. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "backflip",
   "name": "Backflip",
   "url": "https://www.dobackflip.com",
   "types": [
    "hard-money",
    "bridge"
   ],
   "region": "national",
   "blurb": "App-based flip lender: comps/analysis in the app, bridge loans for the purchase. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "constitution",
   "name": "Constitution Lending",
   "url": "https://constlending.com",
   "types": [
    "hard-money",
    "bridge"
   ],
   "region": "national",
   "blurb": "Fix-and-flip / bridge lender with published rates. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "corevest",
   "name": "CoreVest Finance",
   "url": "https://www.corevestfinance.com",
   "types": [
    "portfolio",
    "dscr",
    "bridge",
    "loc"
   ],
   "region": "national",
   "blurb": "Portfolio/rental loans, bridge, and investor credit LINES for build-to-rent and flip operations at scale.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "dohardmoney",
   "name": "DoHardMoney",
   "url": "https://www.dohardmoney.com",
   "types": [
    "hard-money"
   ],
   "region": "national",
   "blurb": "Hard money aimed at newer flippers, gap/low-down structures. Read fee schedule closely.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "easy-street",
   "name": "Easy Street Capital",
   "url": "https://www.easystreetcap.com",
   "types": [
    "hard-money",
    "dscr"
   ],
   "region": "national",
   "blurb": "EasyFix flip loans + EasyRent DSCR loans. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "equitymultiple",
   "name": "EquityMultiple",
   "url": "https://www.equitymultiple.com",
   "types": [
    "crowdfund",
    "jv"
   ],
   "region": "national",
   "blurb": "Commercial real-estate crowdfunding — mostly investor-side, but a model for JV equity capital on bigger projects.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "fannie-homestyle",
   "name": "Fannie Mae HomeStyle Renovation",
   "url": "https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/homestyle-renovation",
   "types": [
    "gov-rehab",
    "info"
   ],
   "region": "national",
   "blurb": "Conventional renovation loan; investor-eligible on 1-unit (unlike FHA 203k). Ask any conventional lender.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "fha-203k",
   "name": "FHA 203(k) rehab loan",
   "url": "https://www.hud.gov/program_offices/housing/sfh/203k",
   "types": [
    "gov-rehab",
    "info"
   ],
   "region": "national",
   "blurb": "HUD: purchase + rehab in one FHA loan. Owner-occupant only (house-hack a flip: live-in flip) — not for pure investor flips.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "freddie-choicereno",
   "name": "Freddie Mac CHOICERenovation",
   "url": "https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/choicerenovation",
   "types": [
    "gov-rehab",
    "info"
   ],
   "region": "national",
   "blurb": "Conventional renovation mortgage — rehab costs rolled into the loan; available via regular lenders.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "fund-and-grow",
   "name": "Fund&Grow",
   "url": "https://fundandgrow.com",
   "types": [
    "loc"
   ],
   "region": "national",
   "blurb": "Service that stacks 0% business credit lines for investors — it's a paid service with fees; read terms before using.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "groundfloor",
   "name": "Groundfloor",
   "url": "https://groundfloor.com",
   "types": [
    "crowdfund",
    "hard-money"
   ],
   "region": "national",
   "blurb": "Crowdfunded fix-and-flip loans (borrower side: real flip loans, deferred payments; investor side funds them). Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "kiavi",
   "name": "Kiavi",
   "url": "https://www.kiavi.com",
   "types": [
    "hard-money",
    "bridge"
   ],
   "region": "national",
   "blurb": "One of the highest-volume fix-and-flip lenders in the country — bridge/flip loans up to ~95% LTC, rental loans too. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "lendingone",
   "name": "LendingOne",
   "url": "https://www.lendingone.com",
   "types": [
    "hard-money",
    "dscr",
    "bridge"
   ],
   "region": "national",
   "blurb": "Fix-and-flip and rental lender; RTL bridge + DSCR products. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "lima-one",
   "name": "Lima One Capital",
   "url": "https://limaone.com",
   "types": [
    "hard-money",
    "dscr",
    "bridge"
   ],
   "region": "national",
   "blurb": "FixNFlip, new construction, and rental portfolio loans in 45+ states. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "national-reia",
   "name": "National REIA — find a local REIA",
   "url": "https://nationalreia.org/find-a-reia/",
   "types": [
    "jv",
    "private-money"
   ],
   "region": "national",
   "blurb": "Chapter finder for real-estate investor associations — where private-money lenders and JV partners actually get met.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "nerdwallet-heloc",
   "name": "NerdWallet — best HELOC lenders",
   "url": "https://www.nerdwallet.com/best/mortgages/heloc-lenders",
   "types": [
    "heloc",
    "info"
   ],
   "region": "national",
   "blurb": "Maintained comparison of HELOC lenders and current rates.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "new-silver",
   "name": "New Silver",
   "url": "https://newsilver.com",
   "types": [
    "hard-money",
    "bridge"
   ],
   "region": "national",
   "blurb": "Fintech hard money — instant online term sheets for fix-and-flip. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "rcn-capital",
   "name": "RCN Capital",
   "url": "https://rcncapital.com",
   "types": [
    "hard-money",
    "bridge",
    "dscr"
   ],
   "region": "national",
   "blurb": "Nationwide direct lender: fix-and-flip, bridge, and long-term DSCR rental loans; lends in most states including Iowa.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "rehab-financial",
   "name": "Rehab Financial Group",
   "url": "https://www.rehabfinancial.com",
   "types": [
    "hard-money"
   ],
   "region": "national",
   "blurb": "100% rehab-cost financing angle (purchase + full rehab for qualifying deals). Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "upright",
   "name": "Upright (Fund That Flip)",
   "url": "https://www.upright.us",
   "types": [
    "crowdfund",
    "hard-money"
   ],
   "region": "national",
   "blurb": "Fix-and-flip lender funded by accredited investors; formerly Fund That Flip. Confirm Iowa eligibility.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "usda-504",
   "name": "USDA Section 504 repair loans & grants",
   "url": "https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants",
   "types": [
    "gov-rehab",
    "grant",
    "info"
   ],
   "region": "national",
   "blurb": "Rural repair loans (1%) and grants — owner-occupant, rural areas only; relevant for live-in flips outside the metro.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "walled",
   "http": 403,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  },
  {
   "id": "visio",
   "name": "Visio Lending",
   "url": "https://www.visiolending.com",
   "types": [
    "dscr",
    "portfolio"
   ],
   "region": "national",
   "blurb": "DSCR rental lender — the exit-refi side of a flip-to-rental (BRRRR) play.",
   "firstSeen": "2026-09-09T01:55:03.353Z",
   "status": "live",
   "http": 200,
   "lastChecked": "2026-09-09T01:55:03.353Z"
  }
 ],
 "manual": [
  {
   "name": "PrivateLenderLink — Iowa hard money directory",
   "url": "https://privatelenderlink.com/hard-money-loans/iowa/",
   "why": "lender list loads via JavaScript (FacetWP) — browse in a normal browser"
  },
  {
   "name": "HardMoneyHome — Iowa lenders",
   "url": "https://hardmoneyhome.com/hard-money-loans/iowa",
   "why": "lender list is JS-rendered; the static page is only foreclosure-law info"
  },
  {
   "name": "BiggerPockets — lender finder + owner-finance forums",
   "url": "https://www.biggerpockets.com/company-finder/hard-money-lenders",
   "why": "full search and forums are login-walled"
  },
  {
   "name": "Scotsman Guide lender search",
   "url": "https://www.scotsmanguide.com/lender-search/",
   "why": "JS app, no server-side list"
  },
  {
   "name": "Bankrate — HELOC rates",
   "url": "https://www.bankrate.com/home-equity/heloc-rates/",
   "why": "bot-blocked from this server (HTTP 405) — loads fine in a normal browser"
  }
 ]
}