Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143Business-Purpose Investor Loans Only (Non-Owner-Occupied)
Commercial DSCR Investor Deal Desk

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Minnesota (MN) Wholesale Lender Directory · Non-Judicial (Foreclosure by Advertisement) Foreclosure

Minnesota (MN) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in Minnesota (MN) on XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals. Underwritten to Minnesota's Non-Judicial (Foreclosure by Advertisement) statutory framework (60–90 days (+ 6-mo redemption)-day average timeline), 1.11% average property tax rate, and $590/$100K landlord hazard insurance benchmark.

#1 Wholesale Brokerage Shelf · NMLS #2827624

Loan Daddy LLC — Minnesota (MN) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · Close in Minnesota LLC or Delaware LLC.

Match My MN Deal →Compare MN Shelves

Active Wholesale Loan Programs in Minnesota (MN)

Minnesota DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Minnesota Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Minnesota Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Minnesota Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Minnesota Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Minnesota Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Minnesota Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Minnesota Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Minnesota Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Minnesota Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Minnesota County-Level Tax & Insurance Underwriting Hubs (1)

Hennepin County (Minneapolis), MN
Hennepin County (Minneapolis), MN · 1.32% Tax

Top Minnesota Rental Markets

Minneapolis, MNSt. Paul, MNRochester, MNBloomington, MNDuluth, MNBrooklyn Park, MNPlymouth, MNSt. Cloud, MNWoodbury, MNEagan, MNMaple Grove, MNEden Prairie, MN
Best Minnesota (MN) DSCR & Private Money Lenders (2026) | XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals